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$129,120
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,136
−HK$4,081/mo
Today · 4.125%
HK$137,217
baseline
▲ 0.50% · 4.625%
HK$145,566
+HK$8,349/mo
Deposit HK$28.31M · loan HK$28.31M · min. income ≈ HK$274,434/mo (50% DSR)
Upfront cash ≈ HK$30.72M (deposit + AVD stamp duty HK$2,406,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,644
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,497
−HK$3,908/mo
Today · 4.125%
HK$151,405
baseline
▲ 0.50% · 4.625%
HK$159,386
+HK$7,981/mo
Deposit HK$28.31M · loan HK$28.31M · min. income ≈ HK$302,810/mo (50% DSR)
Upfront cash ≈ HK$30.72M (deposit + AVD stamp duty HK$2,406,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,944
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$159,763
−HK$4,897/mo
Today · 4.125%
HK$164,660
baseline
▲ 0.50% · 4.625%
HK$174,679
+HK$10,019/mo
Deposit HK$22.65M · loan HK$33.98M · min. income ≈ HK$329,320/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$2,406,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,373
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$176,996
−HK$4,690/mo
Today · 4.125%
HK$181,686
baseline
▲ 0.50% · 4.625%
HK$191,263
+HK$9,577/mo
Deposit HK$22.65M · loan HK$33.98M · min. income ≈ HK$363,372/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$2,406,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,768
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$186,390
−HK$5,713/mo
Today · 4.125%
HK$192,103
baseline
▲ 0.50% · 4.625%
HK$203,792
+HK$11,689/mo
Deposit HK$16.99M · loan HK$39.64M · min. income ≈ HK$384,206/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$2,406,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,102
−HK$10,865/mo
▼ 0.25% · 3.875%
HK$206,496
−HK$5,471/mo
Today · 4.125%
HK$211,967
baseline
▲ 0.50% · 4.625%
HK$223,140
+HK$11,173/mo
Deposit HK$16.99M · loan HK$39.64M · min. income ≈ HK$423,934/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$2,406,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,415
−HK$14,575/mo
▼ 0.25% · 3.875%
HK$239,645
−HK$7,345/mo
Today · 4.125%
HK$246,990
baseline
▲ 0.50% · 4.625%
HK$262,019
+HK$15,029/mo
Deposit HK$5.66M · loan HK$50.96M · min. income ≈ HK$493,980/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,406,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,560
−HK$13,969/mo
▼ 0.25% · 3.875%
HK$265,494
−HK$7,035/mo
Today · 4.125%
HK$272,529
baseline
▲ 0.50% · 4.625%
HK$286,894
+HK$14,365/mo
Deposit HK$5.66M · loan HK$50.96M · min. income ≈ HK$545,058/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,406,566 · Scale 2, in force from 26 Feb 2026)