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$112,619
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,122
−HK$3,559/mo
Today · 4.125%
HK$119,681
baseline
▲ 0.50% · 4.625%
HK$126,964
+HK$7,283/mo
Deposit HK$24.69M · loan HK$24.69M · min. income ≈ HK$239,362/mo (50% DSR)
Upfront cash ≈ HK$26.79M (deposit + AVD stamp duty HK$2,099,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,287
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,648
−HK$3,408/mo
Today · 4.125%
HK$132,056
baseline
▲ 0.50% · 4.625%
HK$139,017
+HK$6,961/mo
Deposit HK$24.69M · loan HK$24.69M · min. income ≈ HK$264,112/mo (50% DSR)
Upfront cash ≈ HK$26.79M (deposit + AVD stamp duty HK$2,099,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,143
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$139,346
−HK$4,271/mo
Today · 4.125%
HK$143,617
baseline
▲ 0.50% · 4.625%
HK$152,356
+HK$8,739/mo
Deposit HK$19.76M · loan HK$29.63M · min. income ≈ HK$287,234/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,099,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,345
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$154,377
−HK$4,091/mo
Today · 4.125%
HK$158,468
baseline
▲ 0.50% · 4.625%
HK$166,821
+HK$8,353/mo
Deposit HK$19.76M · loan HK$29.63M · min. income ≈ HK$316,936/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,099,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,667
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$162,571
−HK$4,983/mo
Today · 4.125%
HK$167,554
baseline
▲ 0.50% · 4.625%
HK$177,749
+HK$10,195/mo
Deposit HK$14.82M · loan HK$34.57M · min. income ≈ HK$335,108/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,099,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,402
−HK$9,477/mo
▼ 0.25% · 3.875%
HK$180,107
−HK$4,772/mo
Today · 4.125%
HK$184,879
baseline
▲ 0.50% · 4.625%
HK$194,624
+HK$9,745/mo
Deposit HK$14.82M · loan HK$34.57M · min. income ≈ HK$369,758/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$2,099,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,714
−HK$12,712/mo
▼ 0.25% · 3.875%
HK$209,020
−HK$6,406/mo
Today · 4.125%
HK$215,426
baseline
▲ 0.50% · 4.625%
HK$228,534
+HK$13,108/mo
Deposit HK$4.94M · loan HK$44.45M · min. income ≈ HK$430,852/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,099,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,517
−HK$12,184/mo
▼ 0.25% · 3.875%
HK$231,566
−HK$6,135/mo
Today · 4.125%
HK$237,701
baseline
▲ 0.50% · 4.625%
HK$250,231
+HK$12,530/mo
Deposit HK$4.94M · loan HK$44.45M · min. income ≈ HK$475,402/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,099,022 · Scale 2, in force from 26 Feb 2026)