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$112,829
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$116,339
−HK$3,565/mo
Today · 4.125%
HK$119,904
baseline
▲ 0.50% · 4.625%
HK$127,200
+HK$7,296/mo
Deposit HK$24.74M · loan HK$24.74M · min. income ≈ HK$239,808/mo (50% DSR)
Upfront cash ≈ HK$26.84M (deposit + AVD stamp duty HK$2,102,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,521
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$128,888
−HK$3,415/mo
Today · 4.125%
HK$132,303
baseline
▲ 0.50% · 4.625%
HK$139,277
+HK$6,974/mo
Deposit HK$24.74M · loan HK$24.74M · min. income ≈ HK$264,606/mo (50% DSR)
Upfront cash ≈ HK$26.84M (deposit + AVD stamp duty HK$2,102,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,395
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$139,606
−HK$4,279/mo
Today · 4.125%
HK$143,885
baseline
▲ 0.50% · 4.625%
HK$152,640
+HK$8,755/mo
Deposit HK$19.79M · loan HK$29.69M · min. income ≈ HK$287,770/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,102,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,625
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$154,665
−HK$4,098/mo
Today · 4.125%
HK$158,763
baseline
▲ 0.50% · 4.625%
HK$167,132
+HK$8,369/mo
Deposit HK$19.79M · loan HK$29.69M · min. income ≈ HK$317,526/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,102,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,961
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$162,874
−HK$4,992/mo
Today · 4.125%
HK$167,866
baseline
▲ 0.50% · 4.625%
HK$178,080
+HK$10,214/mo
Deposit HK$14.84M · loan HK$34.64M · min. income ≈ HK$335,732/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$2,102,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,730
−HK$9,494/mo
▼ 0.25% · 3.875%
HK$180,443
−HK$4,781/mo
Today · 4.125%
HK$185,224
baseline
▲ 0.50% · 4.625%
HK$194,987
+HK$9,763/mo
Deposit HK$14.84M · loan HK$34.64M · min. income ≈ HK$370,448/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$2,102,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,092
−HK$12,736/mo
▼ 0.25% · 3.875%
HK$209,410
−HK$6,418/mo
Today · 4.125%
HK$215,828
baseline
▲ 0.50% · 4.625%
HK$228,961
+HK$13,133/mo
Deposit HK$4.95M · loan HK$44.53M · min. income ≈ HK$431,656/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,102,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,938
−HK$12,207/mo
▼ 0.25% · 3.875%
HK$231,998
−HK$6,147/mo
Today · 4.125%
HK$238,145
baseline
▲ 0.50% · 4.625%
HK$250,698
+HK$12,553/mo
Deposit HK$4.95M · loan HK$44.53M · min. income ≈ HK$476,290/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$2,102,938 · Scale 2, in force from 26 Feb 2026)