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$113,888
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,431
−HK$3,599/mo
Today · 4.125%
HK$121,030
baseline
▲ 0.50% · 4.625%
HK$128,394
+HK$7,364/mo
Deposit HK$24.97M · loan HK$24.97M · min. income ≈ HK$242,060/mo (50% DSR)
Upfront cash ≈ HK$27.10M (deposit + AVD stamp duty HK$2,122,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,699
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,097
−HK$3,447/mo
Today · 4.125%
HK$133,544
baseline
▲ 0.50% · 4.625%
HK$140,584
+HK$7,040/mo
Deposit HK$24.97M · loan HK$24.97M · min. income ≈ HK$267,088/mo (50% DSR)
Upfront cash ≈ HK$27.10M (deposit + AVD stamp duty HK$2,122,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,666
−HK$8,570/mo
▼ 0.25% · 3.875%
HK$140,917
−HK$4,319/mo
Today · 4.125%
HK$145,236
baseline
▲ 0.50% · 4.625%
HK$154,073
+HK$8,837/mo
Deposit HK$19.98M · loan HK$29.97M · min. income ≈ HK$290,472/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$2,122,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,039
−HK$8,214/mo
▼ 0.25% · 3.875%
HK$156,117
−HK$4,136/mo
Today · 4.125%
HK$160,253
baseline
▲ 0.50% · 4.625%
HK$168,700
+HK$8,447/mo
Deposit HK$19.98M · loan HK$29.97M · min. income ≈ HK$320,506/mo (50% DSR)
Upfront cash ≈ HK$22.10M (deposit + AVD stamp duty HK$2,122,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,443
−HK$9,999/mo
▼ 0.25% · 3.875%
HK$164,403
−HK$5,039/mo
Today · 4.125%
HK$169,442
baseline
▲ 0.50% · 4.625%
HK$179,752
+HK$10,310/mo
Deposit HK$14.98M · loan HK$34.96M · min. income ≈ HK$338,884/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$2,122,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,379
−HK$9,583/mo
▼ 0.25% · 3.875%
HK$182,136
−HK$4,826/mo
Today · 4.125%
HK$186,962
baseline
▲ 0.50% · 4.625%
HK$196,817
+HK$9,855/mo
Deposit HK$14.98M · loan HK$34.96M · min. income ≈ HK$373,924/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$2,122,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,998
−HK$12,856/mo
▼ 0.25% · 3.875%
HK$211,375
−HK$6,479/mo
Today · 4.125%
HK$217,854
baseline
▲ 0.50% · 4.625%
HK$231,109
+HK$13,255/mo
Deposit HK$4.99M · loan HK$44.95M · min. income ≈ HK$435,708/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,122,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,059
−HK$12,321/mo
▼ 0.25% · 3.875%
HK$234,175
−HK$6,205/mo
Today · 4.125%
HK$240,380
baseline
▲ 0.50% · 4.625%
HK$253,051
+HK$12,671/mo
Deposit HK$4.99M · loan HK$44.95M · min. income ≈ HK$480,760/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$2,122,674 · Scale 2, in force from 26 Feb 2026)