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$114,507
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,069
−HK$3,619/mo
Today · 4.125%
HK$121,688
baseline
▲ 0.50% · 4.625%
HK$129,092
+HK$7,404/mo
Deposit HK$25.11M · loan HK$25.11M · min. income ≈ HK$243,376/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,134,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,388
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,804
−HK$3,466/mo
Today · 4.125%
HK$134,270
baseline
▲ 0.50% · 4.625%
HK$141,348
+HK$7,078/mo
Deposit HK$25.11M · loan HK$25.11M · min. income ≈ HK$268,540/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,134,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,408
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$141,683
−HK$4,342/mo
Today · 4.125%
HK$146,025
baseline
▲ 0.50% · 4.625%
HK$154,910
+HK$8,885/mo
Deposit HK$20.09M · loan HK$30.13M · min. income ≈ HK$292,050/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$2,134,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,866
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$156,965
−HK$4,159/mo
Today · 4.125%
HK$161,124
baseline
▲ 0.50% · 4.625%
HK$169,617
+HK$8,493/mo
Deposit HK$20.09M · loan HK$30.13M · min. income ≈ HK$322,248/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$2,134,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,310
−HK$10,053/mo
▼ 0.25% · 3.875%
HK$165,296
−HK$5,067/mo
Today · 4.125%
HK$170,363
baseline
▲ 0.50% · 4.625%
HK$180,729
+HK$10,366/mo
Deposit HK$15.07M · loan HK$35.15M · min. income ≈ HK$340,726/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$2,134,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,343
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$183,126
−HK$4,852/mo
Today · 4.125%
HK$187,978
baseline
▲ 0.50% · 4.625%
HK$197,887
+HK$9,909/mo
Deposit HK$15.07M · loan HK$35.15M · min. income ≈ HK$375,956/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$2,134,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,113
−HK$12,925/mo
▼ 0.25% · 3.875%
HK$212,524
−HK$6,514/mo
Today · 4.125%
HK$219,038
baseline
▲ 0.50% · 4.625%
HK$232,366
+HK$13,328/mo
Deposit HK$5.02M · loan HK$45.20M · min. income ≈ HK$438,076/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,134,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,298
−HK$12,389/mo
▼ 0.25% · 3.875%
HK$235,448
−HK$6,239/mo
Today · 4.125%
HK$241,687
baseline
▲ 0.50% · 4.625%
HK$254,426
+HK$12,739/mo
Deposit HK$5.02M · loan HK$45.20M · min. income ≈ HK$483,374/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$2,134,212 · Scale 2, in force from 26 Feb 2026)