The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$110,591
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,031
−HK$3,495/mo
Today · 4.125%
HK$117,526
baseline
▲ 0.50% · 4.625%
HK$124,677
+HK$7,151/mo
Deposit HK$24.25M · loan HK$24.25M · min. income ≈ HK$235,052/mo (50% DSR)
Upfront cash ≈ HK$26.31M (deposit + AVD stamp duty HK$2,061,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,031
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,331
−HK$3,347/mo
Today · 4.125%
HK$129,678
baseline
▲ 0.50% · 4.625%
HK$136,514
+HK$6,836/mo
Deposit HK$24.25M · loan HK$24.25M · min. income ≈ HK$259,356/mo (50% DSR)
Upfront cash ≈ HK$26.31M (deposit + AVD stamp duty HK$2,061,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,709
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$136,837
−HK$4,194/mo
Today · 4.125%
HK$141,031
baseline
▲ 0.50% · 4.625%
HK$149,613
+HK$8,582/mo
Deposit HK$19.40M · loan HK$29.10M · min. income ≈ HK$282,062/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,061,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,638
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$151,597
−HK$4,017/mo
Today · 4.125%
HK$155,614
baseline
▲ 0.50% · 4.625%
HK$163,817
+HK$8,203/mo
Deposit HK$19.40M · loan HK$29.10M · min. income ≈ HK$311,228/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,061,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,827
−HK$9,709/mo
▼ 0.25% · 3.875%
HK$159,643
−HK$4,893/mo
Today · 4.125%
HK$164,536
baseline
▲ 0.50% · 4.625%
HK$174,548
+HK$10,012/mo
Deposit HK$14.55M · loan HK$33.95M · min. income ≈ HK$329,072/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$2,061,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,244
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$176,863
−HK$4,687/mo
Today · 4.125%
HK$181,550
baseline
▲ 0.50% · 4.625%
HK$191,120
+HK$9,570/mo
Deposit HK$14.55M · loan HK$33.95M · min. income ≈ HK$363,100/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$2,061,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,064
−HK$12,483/mo
▼ 0.25% · 3.875%
HK$205,256
−HK$6,291/mo
Today · 4.125%
HK$211,547
baseline
▲ 0.50% · 4.625%
HK$224,419
+HK$12,872/mo
Deposit HK$4.85M · loan HK$43.65M · min. income ≈ HK$423,094/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,061,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,457
−HK$11,964/mo
▼ 0.25% · 3.875%
HK$227,396
−HK$6,025/mo
Today · 4.125%
HK$233,421
baseline
▲ 0.50% · 4.625%
HK$245,725
+HK$12,304/mo
Deposit HK$4.85M · loan HK$43.65M · min. income ≈ HK$466,842/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,061,224 · Scale 2, in force from 26 Feb 2026)