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$121,211
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$124,981
−HK$3,831/mo
Today · 4.125%
HK$128,812
baseline
▲ 0.50% · 4.625%
HK$136,650
+HK$7,838/mo
Deposit HK$26.58M · loan HK$26.58M · min. income ≈ HK$257,624/mo (50% DSR)
Upfront cash ≈ HK$28.84M (deposit + AVD stamp duty HK$2,259,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,846
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,462
−HK$3,669/mo
Today · 4.125%
HK$142,131
baseline
▲ 0.50% · 4.625%
HK$149,623
+HK$7,492/mo
Deposit HK$26.58M · loan HK$26.58M · min. income ≈ HK$284,262/mo (50% DSR)
Upfront cash ≈ HK$28.84M (deposit + AVD stamp duty HK$2,259,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,453
−HK$9,121/mo
▼ 0.25% · 3.875%
HK$149,977
−HK$4,597/mo
Today · 4.125%
HK$154,574
baseline
▲ 0.50% · 4.625%
HK$163,979
+HK$9,405/mo
Deposit HK$21.26M · loan HK$31.89M · min. income ≈ HK$309,148/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,259,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,815
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$166,155
−HK$4,402/mo
Today · 4.125%
HK$170,557
baseline
▲ 0.50% · 4.625%
HK$179,547
+HK$8,990/mo
Deposit HK$21.26M · loan HK$31.89M · min. income ≈ HK$341,114/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,259,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,695
−HK$10,641/mo
▼ 0.25% · 3.875%
HK$174,973
−HK$5,363/mo
Today · 4.125%
HK$180,336
baseline
▲ 0.50% · 4.625%
HK$191,309
+HK$10,973/mo
Deposit HK$15.95M · loan HK$37.21M · min. income ≈ HK$360,672/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,259,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,784
−HK$10,199/mo
▼ 0.25% · 3.875%
HK$193,847
−HK$5,136/mo
Today · 4.125%
HK$198,983
baseline
▲ 0.50% · 4.625%
HK$209,472
+HK$10,489/mo
Deposit HK$15.95M · loan HK$37.21M · min. income ≈ HK$397,966/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,259,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,179
−HK$13,682/mo
▼ 0.25% · 3.875%
HK$224,966
−HK$6,895/mo
Today · 4.125%
HK$231,861
baseline
▲ 0.50% · 4.625%
HK$245,969
+HK$14,108/mo
Deposit HK$5.32M · loan HK$47.84M · min. income ≈ HK$463,722/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,259,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,722
−HK$13,114/mo
▼ 0.25% · 3.875%
HK$249,232
−HK$6,604/mo
Today · 4.125%
HK$255,836
baseline
▲ 0.50% · 4.625%
HK$269,321
+HK$13,485/mo
Deposit HK$5.32M · loan HK$47.84M · min. income ≈ HK$511,672/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,259,155 · Scale 2, in force from 26 Feb 2026)