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$111,012
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,465
−HK$3,508/mo
Today · 4.125%
HK$117,973
baseline
▲ 0.50% · 4.625%
HK$125,152
+HK$7,179/mo
Deposit HK$24.34M · loan HK$24.34M · min. income ≈ HK$235,946/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,069,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,500
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,812
−HK$3,360/mo
Today · 4.125%
HK$130,172
baseline
▲ 0.50% · 4.625%
HK$137,033
+HK$6,861/mo
Deposit HK$24.34M · loan HK$24.34M · min. income ≈ HK$260,344/mo (50% DSR)
Upfront cash ≈ HK$26.41M (deposit + AVD stamp duty HK$2,069,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,214
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$137,358
−HK$4,210/mo
Today · 4.125%
HK$141,568
baseline
▲ 0.50% · 4.625%
HK$150,182
+HK$8,614/mo
Deposit HK$19.47M · loan HK$29.21M · min. income ≈ HK$283,136/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$2,069,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,200
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,174
−HK$4,032/mo
Today · 4.125%
HK$156,206
baseline
▲ 0.50% · 4.625%
HK$164,440
+HK$8,234/mo
Deposit HK$19.47M · loan HK$29.21M · min. income ≈ HK$312,412/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$2,069,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,417
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$160,251
−HK$4,912/mo
Today · 4.125%
HK$165,163
baseline
▲ 0.50% · 4.625%
HK$175,212
+HK$10,049/mo
Deposit HK$14.61M · loan HK$34.08M · min. income ≈ HK$330,326/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,069,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,899
−HK$9,342/mo
▼ 0.25% · 3.875%
HK$177,537
−HK$4,704/mo
Today · 4.125%
HK$182,241
baseline
▲ 0.50% · 4.625%
HK$191,847
+HK$9,606/mo
Deposit HK$14.61M · loan HK$34.08M · min. income ≈ HK$364,482/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$2,069,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,821
−HK$12,531/mo
▼ 0.25% · 3.875%
HK$206,037
−HK$6,315/mo
Today · 4.125%
HK$212,352
baseline
▲ 0.50% · 4.625%
HK$225,273
+HK$12,921/mo
Deposit HK$4.87M · loan HK$43.82M · min. income ≈ HK$424,704/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,299
−HK$12,010/mo
▼ 0.25% · 3.875%
HK$228,261
−HK$6,048/mo
Today · 4.125%
HK$234,309
baseline
▲ 0.50% · 4.625%
HK$246,660
+HK$12,351/mo
Deposit HK$4.87M · loan HK$43.82M · min. income ≈ HK$468,618/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,069 · Scale 2, in force from 26 Feb 2026)