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$129,775
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,811
−HK$4,102/mo
Today · 4.125%
HK$137,913
baseline
▲ 0.50% · 4.625%
HK$146,304
+HK$8,391/mo
Deposit HK$28.46M · loan HK$28.46M · min. income ≈ HK$275,826/mo (50% DSR)
Upfront cash ≈ HK$30.87M (deposit + AVD stamp duty HK$2,418,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,373
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$148,245
−HK$3,928/mo
Today · 4.125%
HK$152,173
baseline
▲ 0.50% · 4.625%
HK$160,194
+HK$8,021/mo
Deposit HK$28.46M · loan HK$28.46M · min. income ≈ HK$304,346/mo (50% DSR)
Upfront cash ≈ HK$30.87M (deposit + AVD stamp duty HK$2,418,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,730
−HK$9,765/mo
▼ 0.25% · 3.875%
HK$160,574
−HK$4,921/mo
Today · 4.125%
HK$165,495
baseline
▲ 0.50% · 4.625%
HK$175,565
+HK$10,070/mo
Deposit HK$22.76M · loan HK$34.15M · min. income ≈ HK$330,990/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$2,418,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,248
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$177,894
−HK$4,714/mo
Today · 4.125%
HK$182,608
baseline
▲ 0.50% · 4.625%
HK$192,233
+HK$9,625/mo
Deposit HK$22.76M · loan HK$34.15M · min. income ≈ HK$365,216/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$2,418,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,684
−HK$11,394/mo
▼ 0.25% · 3.875%
HK$187,336
−HK$5,742/mo
Today · 4.125%
HK$193,078
baseline
▲ 0.50% · 4.625%
HK$204,826
+HK$11,748/mo
Deposit HK$17.07M · loan HK$39.84M · min. income ≈ HK$386,156/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$2,418,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,122
−HK$10,920/mo
▼ 0.25% · 3.875%
HK$207,543
−HK$5,499/mo
Today · 4.125%
HK$213,042
baseline
▲ 0.50% · 4.625%
HK$224,272
+HK$11,230/mo
Deposit HK$17.07M · loan HK$39.84M · min. income ≈ HK$426,084/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$2,418,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,594
−HK$14,649/mo
▼ 0.25% · 3.875%
HK$240,860
−HK$7,383/mo
Today · 4.125%
HK$248,243
baseline
▲ 0.50% · 4.625%
HK$263,348
+HK$15,105/mo
Deposit HK$5.69M · loan HK$51.22M · min. income ≈ HK$496,486/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$2,418,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,871
−HK$14,040/mo
▼ 0.25% · 3.875%
HK$266,841
−HK$7,070/mo
Today · 4.125%
HK$273,911
baseline
▲ 0.50% · 4.625%
HK$288,350
+HK$14,439/mo
Deposit HK$5.69M · loan HK$51.22M · min. income ≈ HK$547,822/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$2,418,773 · Scale 2, in force from 26 Feb 2026)