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$115,985
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$119,593
−HK$3,665/mo
Today · 4.125%
HK$123,258
baseline
▲ 0.50% · 4.625%
HK$130,758
+HK$7,500/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$246,516/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,032
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,492
−HK$3,511/mo
Today · 4.125%
HK$136,003
baseline
▲ 0.50% · 4.625%
HK$143,172
+HK$7,169/mo
Deposit HK$25.43M · loan HK$25.43M · min. income ≈ HK$272,006/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,161,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,182
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,511
−HK$4,399/mo
Today · 4.125%
HK$147,910
baseline
▲ 0.50% · 4.625%
HK$156,910
+HK$9,000/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$295,820/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,838
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$158,991
−HK$4,213/mo
Today · 4.125%
HK$163,204
baseline
▲ 0.50% · 4.625%
HK$171,806
+HK$8,602/mo
Deposit HK$20.35M · loan HK$30.52M · min. income ≈ HK$326,408/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,161,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,379
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$167,430
−HK$5,131/mo
Today · 4.125%
HK$172,561
baseline
▲ 0.50% · 4.625%
HK$183,061
+HK$10,500/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$345,122/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,645
−HK$9,759/mo
▼ 0.25% · 3.875%
HK$185,489
−HK$4,915/mo
Today · 4.125%
HK$190,404
baseline
▲ 0.50% · 4.625%
HK$200,441
+HK$10,037/mo
Deposit HK$15.26M · loan HK$35.61M · min. income ≈ HK$380,808/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$2,161,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,773
−HK$13,092/mo
▼ 0.25% · 3.875%
HK$215,267
−HK$6,598/mo
Today · 4.125%
HK$221,865
baseline
▲ 0.50% · 4.625%
HK$235,364
+HK$13,499/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$443,730/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,257
−HK$12,549/mo
▼ 0.25% · 3.875%
HK$238,486
−HK$6,320/mo
Today · 4.125%
HK$244,806
baseline
▲ 0.50% · 4.625%
HK$257,710
+HK$12,904/mo
Deposit HK$5.09M · loan HK$45.78M · min. income ≈ HK$489,612/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$2,161,755 · Scale 2, in force from 26 Feb 2026)