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$113,720
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,258
−HK$3,593/mo
Today · 4.125%
HK$120,851
baseline
▲ 0.50% · 4.625%
HK$128,205
+HK$7,354/mo
Deposit HK$24.94M · loan HK$24.94M · min. income ≈ HK$241,702/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,119,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,513
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,906
−HK$3,442/mo
Today · 4.125%
HK$133,348
baseline
▲ 0.50% · 4.625%
HK$140,377
+HK$7,029/mo
Deposit HK$24.94M · loan HK$24.94M · min. income ≈ HK$266,696/mo (50% DSR)
Upfront cash ≈ HK$27.06M (deposit + AVD stamp duty HK$2,119,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,464
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,709
−HK$4,313/mo
Today · 4.125%
HK$145,022
baseline
▲ 0.50% · 4.625%
HK$153,846
+HK$8,824/mo
Deposit HK$19.95M · loan HK$29.92M · min. income ≈ HK$290,044/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,119,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,815
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,887
−HK$4,130/mo
Today · 4.125%
HK$160,017
baseline
▲ 0.50% · 4.625%
HK$168,452
+HK$8,435/mo
Deposit HK$19.95M · loan HK$29.92M · min. income ≈ HK$320,034/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$2,119,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,208
−HK$9,984/mo
▼ 0.25% · 3.875%
HK$164,161
−HK$5,031/mo
Today · 4.125%
HK$169,192
baseline
▲ 0.50% · 4.625%
HK$179,487
+HK$10,295/mo
Deposit HK$14.96M · loan HK$34.91M · min. income ≈ HK$338,384/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$2,119,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,118
−HK$9,569/mo
▼ 0.25% · 3.875%
HK$181,868
−HK$4,819/mo
Today · 4.125%
HK$186,687
baseline
▲ 0.50% · 4.625%
HK$196,527
+HK$9,840/mo
Deposit HK$14.96M · loan HK$34.91M · min. income ≈ HK$373,374/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$2,119,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,696
−HK$12,837/mo
▼ 0.25% · 3.875%
HK$211,064
−HK$6,469/mo
Today · 4.125%
HK$217,533
baseline
▲ 0.50% · 4.625%
HK$230,769
+HK$13,236/mo
Deposit HK$4.99M · loan HK$44.88M · min. income ≈ HK$435,066/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,119,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,723
−HK$12,303/mo
▼ 0.25% · 3.875%
HK$233,830
−HK$6,196/mo
Today · 4.125%
HK$240,026
baseline
▲ 0.50% · 4.625%
HK$252,678
+HK$12,652/mo
Deposit HK$4.99M · loan HK$44.88M · min. income ≈ HK$480,052/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,119,547 · Scale 2, in force from 26 Feb 2026)