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$111,917
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,398
−HK$3,537/mo
Today · 4.125%
HK$118,935
baseline
▲ 0.50% · 4.625%
HK$126,172
+HK$7,237/mo
Deposit HK$24.54M · loan HK$24.54M · min. income ≈ HK$237,870/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,085,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,507
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,846
−HK$3,388/mo
Today · 4.125%
HK$131,234
baseline
▲ 0.50% · 4.625%
HK$138,151
+HK$6,917/mo
Deposit HK$24.54M · loan HK$24.54M · min. income ≈ HK$262,468/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,085,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,301
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,478
−HK$4,245/mo
Today · 4.125%
HK$142,723
baseline
▲ 0.50% · 4.625%
HK$151,407
+HK$8,684/mo
Deposit HK$19.63M · loan HK$29.45M · min. income ≈ HK$285,446/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,085,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,408
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$153,415
−HK$4,065/mo
Today · 4.125%
HK$157,480
baseline
▲ 0.50% · 4.625%
HK$165,781
+HK$8,301/mo
Deposit HK$19.63M · loan HK$29.45M · min. income ≈ HK$314,960/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,085,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,684
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$161,558
−HK$4,952/mo
Today · 4.125%
HK$166,510
baseline
▲ 0.50% · 4.625%
HK$176,641
+HK$10,131/mo
Deposit HK$14.72M · loan HK$34.36M · min. income ≈ HK$333,020/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$2,085,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,310
−HK$9,417/mo
▼ 0.25% · 3.875%
HK$178,984
−HK$4,743/mo
Today · 4.125%
HK$183,727
baseline
▲ 0.50% · 4.625%
HK$193,411
+HK$9,684/mo
Deposit HK$14.72M · loan HK$34.36M · min. income ≈ HK$367,454/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$2,085,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,451
−HK$12,633/mo
▼ 0.25% · 3.875%
HK$207,717
−HK$6,367/mo
Today · 4.125%
HK$214,084
baseline
▲ 0.50% · 4.625%
HK$227,110
+HK$13,026/mo
Deposit HK$4.91M · loan HK$44.17M · min. income ≈ HK$428,168/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,085,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,112
−HK$12,108/mo
▼ 0.25% · 3.875%
HK$230,123
−HK$6,097/mo
Today · 4.125%
HK$236,220
baseline
▲ 0.50% · 4.625%
HK$248,672
+HK$12,452/mo
Deposit HK$4.91M · loan HK$44.17M · min. income ≈ HK$472,440/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,085,942 · Scale 2, in force from 26 Feb 2026)