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$116,329
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,948
−HK$3,676/mo
Today · 4.125%
HK$123,624
baseline
▲ 0.50% · 4.625%
HK$131,146
+HK$7,522/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$247,248/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,415
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,886
−HK$3,521/mo
Today · 4.125%
HK$136,407
baseline
▲ 0.50% · 4.625%
HK$143,597
+HK$7,190/mo
Deposit HK$25.51M · loan HK$25.51M · min. income ≈ HK$272,814/mo (50% DSR)
Upfront cash ≈ HK$27.68M (deposit + AVD stamp duty HK$2,168,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,595
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,937
−HK$4,412/mo
Today · 4.125%
HK$148,349
baseline
▲ 0.50% · 4.625%
HK$157,375
+HK$9,026/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$296,698/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,168,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,298
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$159,463
−HK$4,225/mo
Today · 4.125%
HK$163,688
baseline
▲ 0.50% · 4.625%
HK$172,316
+HK$8,628/mo
Deposit HK$20.41M · loan HK$30.61M · min. income ≈ HK$327,376/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,168,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,861
−HK$10,213/mo
▼ 0.25% · 3.875%
HK$167,927
−HK$5,147/mo
Today · 4.125%
HK$173,074
baseline
▲ 0.50% · 4.625%
HK$183,605
+HK$10,531/mo
Deposit HK$15.30M · loan HK$35.71M · min. income ≈ HK$346,148/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,168,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,181
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$186,040
−HK$4,930/mo
Today · 4.125%
HK$190,970
baseline
▲ 0.50% · 4.625%
HK$201,036
+HK$10,066/mo
Deposit HK$15.30M · loan HK$35.71M · min. income ≈ HK$381,940/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$2,168,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,392
−HK$13,131/mo
▼ 0.25% · 3.875%
HK$215,906
−HK$6,617/mo
Today · 4.125%
HK$222,523
baseline
▲ 0.50% · 4.625%
HK$236,063
+HK$13,540/mo
Deposit HK$5.10M · loan HK$45.91M · min. income ≈ HK$445,046/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,947
−HK$12,585/mo
▼ 0.25% · 3.875%
HK$239,194
−HK$6,338/mo
Today · 4.125%
HK$245,532
baseline
▲ 0.50% · 4.625%
HK$258,475
+HK$12,943/mo
Deposit HK$5.10M · loan HK$45.91M · min. income ≈ HK$491,064/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$2,168,172 · Scale 2, in force from 26 Feb 2026)