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$116,660
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,289
−HK$3,687/mo
Today · 4.125%
HK$123,976
baseline
▲ 0.50% · 4.625%
HK$131,520
+HK$7,544/mo
Deposit HK$25.58M · loan HK$25.58M · min. income ≈ HK$247,952/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,783
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,264
−HK$3,531/mo
Today · 4.125%
HK$136,795
baseline
▲ 0.50% · 4.625%
HK$144,006
+HK$7,211/mo
Deposit HK$25.58M · loan HK$25.58M · min. income ≈ HK$273,590/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,992
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$144,347
−HK$4,424/mo
Today · 4.125%
HK$148,771
baseline
▲ 0.50% · 4.625%
HK$157,824
+HK$9,053/mo
Deposit HK$20.46M · loan HK$30.70M · min. income ≈ HK$297,542/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,740
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$159,917
−HK$4,237/mo
Today · 4.125%
HK$164,154
baseline
▲ 0.50% · 4.625%
HK$172,807
+HK$8,653/mo
Deposit HK$20.46M · loan HK$30.70M · min. income ≈ HK$328,308/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,325
−HK$10,241/mo
▼ 0.25% · 3.875%
HK$168,405
−HK$5,161/mo
Today · 4.125%
HK$173,566
baseline
▲ 0.50% · 4.625%
HK$184,128
+HK$10,562/mo
Deposit HK$15.35M · loan HK$35.81M · min. income ≈ HK$347,132/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,697
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$186,570
−HK$4,943/mo
Today · 4.125%
HK$191,513
baseline
▲ 0.50% · 4.625%
HK$201,608
+HK$10,095/mo
Deposit HK$15.35M · loan HK$35.81M · min. income ≈ HK$383,026/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,989
−HK$13,168/mo
▼ 0.25% · 3.875%
HK$216,521
−HK$6,636/mo
Today · 4.125%
HK$223,157
baseline
▲ 0.50% · 4.625%
HK$236,735
+HK$13,578/mo
Deposit HK$5.12M · loan HK$46.04M · min. income ≈ HK$446,314/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,174,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,610
−HK$12,622/mo
▼ 0.25% · 3.875%
HK$239,876
−HK$6,356/mo
Today · 4.125%
HK$246,232
baseline
▲ 0.50% · 4.625%
HK$259,211
+HK$12,979/mo
Deposit HK$5.12M · loan HK$46.04M · min. income ≈ HK$492,464/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,174,346 · Scale 2, in force from 26 Feb 2026)