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$118,298
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,978
−HK$3,739/mo
Today · 4.125%
HK$125,717
baseline
▲ 0.50% · 4.625%
HK$133,366
+HK$7,649/mo
Deposit HK$25.94M · loan HK$25.94M · min. income ≈ HK$251,434/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,204,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,606
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$135,135
−HK$3,581/mo
Today · 4.125%
HK$138,716
baseline
▲ 0.50% · 4.625%
HK$146,028
+HK$7,312/mo
Deposit HK$25.94M · loan HK$25.94M · min. income ≈ HK$277,432/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,204,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,958
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$146,374
−HK$4,486/mo
Today · 4.125%
HK$150,860
baseline
▲ 0.50% · 4.625%
HK$160,039
+HK$9,179/mo
Deposit HK$20.75M · loan HK$31.13M · min. income ≈ HK$301,720/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,204,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,927
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$162,162
−HK$4,297/mo
Today · 4.125%
HK$166,459
baseline
▲ 0.50% · 4.625%
HK$175,233
+HK$8,774/mo
Deposit HK$20.75M · loan HK$31.13M · min. income ≈ HK$332,918/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,204,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,617
−HK$10,386/mo
▼ 0.25% · 3.875%
HK$170,769
−HK$5,234/mo
Today · 4.125%
HK$176,003
baseline
▲ 0.50% · 4.625%
HK$186,712
+HK$10,709/mo
Deposit HK$15.56M · loan HK$36.32M · min. income ≈ HK$352,006/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$2,204,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,248
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$189,189
−HK$5,013/mo
Today · 4.125%
HK$194,202
baseline
▲ 0.50% · 4.625%
HK$204,439
+HK$10,237/mo
Deposit HK$15.56M · loan HK$36.32M · min. income ≈ HK$388,404/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$2,204,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,937
−HK$13,353/mo
▼ 0.25% · 3.875%
HK$219,560
−HK$6,730/mo
Today · 4.125%
HK$226,290
baseline
▲ 0.50% · 4.625%
HK$240,059
+HK$13,769/mo
Deposit HK$5.19M · loan HK$46.69M · min. income ≈ HK$452,580/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,204,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,890
−HK$12,798/mo
▼ 0.25% · 3.875%
HK$243,243
−HK$6,445/mo
Today · 4.125%
HK$249,688
baseline
▲ 0.50% · 4.625%
HK$262,850
+HK$13,162/mo
Deposit HK$5.19M · loan HK$46.69M · min. income ≈ HK$499,376/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,204,872 · Scale 2, in force from 26 Feb 2026)