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$131,542
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$135,633
−HK$4,157/mo
Today · 4.125%
HK$139,790
baseline
▲ 0.50% · 4.625%
HK$148,296
+HK$8,506/mo
Deposit HK$28.84M · loan HK$28.84M · min. income ≈ HK$279,580/mo (50% DSR)
Upfront cash ≈ HK$31.30M (deposit + AVD stamp duty HK$2,451,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,339
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$150,263
−HK$3,982/mo
Today · 4.125%
HK$154,245
baseline
▲ 0.50% · 4.625%
HK$162,375
+HK$8,130/mo
Deposit HK$28.84M · loan HK$28.84M · min. income ≈ HK$308,490/mo (50% DSR)
Upfront cash ≈ HK$31.30M (deposit + AVD stamp duty HK$2,451,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,850
−HK$9,899/mo
▼ 0.25% · 3.875%
HK$162,760
−HK$4,989/mo
Today · 4.125%
HK$167,749
baseline
▲ 0.50% · 4.625%
HK$177,956
+HK$10,207/mo
Deposit HK$23.07M · loan HK$34.61M · min. income ≈ HK$335,498/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$2,451,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,607
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$180,316
−HK$4,778/mo
Today · 4.125%
HK$185,094
baseline
▲ 0.50% · 4.625%
HK$194,851
+HK$9,757/mo
Deposit HK$23.07M · loan HK$34.61M · min. income ≈ HK$370,188/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$2,451,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,158
−HK$11,549/mo
▼ 0.25% · 3.875%
HK$189,887
−HK$5,820/mo
Today · 4.125%
HK$195,707
baseline
▲ 0.50% · 4.625%
HK$207,615
+HK$11,908/mo
Deposit HK$17.31M · loan HK$40.38M · min. income ≈ HK$391,414/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$2,451,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,874
−HK$11,069/mo
▼ 0.25% · 3.875%
HK$210,369
−HK$5,574/mo
Today · 4.125%
HK$215,943
baseline
▲ 0.50% · 4.625%
HK$227,326
+HK$11,383/mo
Deposit HK$17.31M · loan HK$40.38M · min. income ≈ HK$431,886/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$2,451,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,775
−HK$14,848/mo
▼ 0.25% · 3.875%
HK$244,140
−HK$7,483/mo
Today · 4.125%
HK$251,623
baseline
▲ 0.50% · 4.625%
HK$266,933
+HK$15,310/mo
Deposit HK$5.77M · loan HK$51.92M · min. income ≈ HK$503,246/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,451,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,410
−HK$14,231/mo
▼ 0.25% · 3.875%
HK$270,474
−HK$7,167/mo
Today · 4.125%
HK$277,641
baseline
▲ 0.50% · 4.625%
HK$292,276
+HK$14,635/mo
Deposit HK$5.77M · loan HK$51.92M · min. income ≈ HK$555,282/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,451,707 · Scale 2, in force from 26 Feb 2026)