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$119,584
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,304
−HK$3,779/mo
Today · 4.125%
HK$127,083
baseline
▲ 0.50% · 4.625%
HK$134,816
+HK$7,733/mo
Deposit HK$26.22M · loan HK$26.22M · min. income ≈ HK$254,166/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,228,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,036
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$136,604
−HK$3,620/mo
Today · 4.125%
HK$140,224
baseline
▲ 0.50% · 4.625%
HK$147,615
+HK$7,391/mo
Deposit HK$26.22M · loan HK$26.22M · min. income ≈ HK$280,448/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,228,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,501
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$147,965
−HK$4,535/mo
Today · 4.125%
HK$152,500
baseline
▲ 0.50% · 4.625%
HK$161,779
+HK$9,279/mo
Deposit HK$20.98M · loan HK$31.47M · min. income ≈ HK$305,000/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$2,228,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,643
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$163,925
−HK$4,343/mo
Today · 4.125%
HK$168,268
baseline
▲ 0.50% · 4.625%
HK$177,138
+HK$8,870/mo
Deposit HK$20.98M · loan HK$31.47M · min. income ≈ HK$336,536/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$2,228,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,418
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$172,625
−HK$5,291/mo
Today · 4.125%
HK$177,916
baseline
▲ 0.50% · 4.625%
HK$188,742
+HK$10,826/mo
Deposit HK$15.73M · loan HK$36.71M · min. income ≈ HK$355,832/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,228,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,251
−HK$10,062/mo
▼ 0.25% · 3.875%
HK$191,246
−HK$5,067/mo
Today · 4.125%
HK$196,313
baseline
▲ 0.50% · 4.625%
HK$206,661
+HK$10,348/mo
Deposit HK$15.73M · loan HK$36.71M · min. income ≈ HK$392,626/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,228,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,252
−HK$13,498/mo
▼ 0.25% · 3.875%
HK$221,947
−HK$6,803/mo
Today · 4.125%
HK$228,750
baseline
▲ 0.50% · 4.625%
HK$242,669
+HK$13,919/mo
Deposit HK$5.24M · loan HK$47.20M · min. income ≈ HK$457,500/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,228,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,465
−HK$12,938/mo
▼ 0.25% · 3.875%
HK$245,887
−HK$6,516/mo
Today · 4.125%
HK$252,403
baseline
▲ 0.50% · 4.625%
HK$265,707
+HK$13,304/mo
Deposit HK$5.24M · loan HK$47.20M · min. income ≈ HK$504,806/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,228,841 · Scale 2, in force from 26 Feb 2026)