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$124,227
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,091
−HK$3,926/mo
Today · 4.125%
HK$132,017
baseline
▲ 0.50% · 4.625%
HK$140,050
+HK$8,033/mo
Deposit HK$27.24M · loan HK$27.24M · min. income ≈ HK$264,034/mo (50% DSR)
Upfront cash ≈ HK$29.56M (deposit + AVD stamp duty HK$2,315,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,202
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,908
−HK$3,760/mo
Today · 4.125%
HK$145,668
baseline
▲ 0.50% · 4.625%
HK$153,347
+HK$7,679/mo
Deposit HK$27.24M · loan HK$27.24M · min. income ≈ HK$291,336/mo (50% DSR)
Upfront cash ≈ HK$29.56M (deposit + AVD stamp duty HK$2,315,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,073
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$153,710
−HK$4,711/mo
Today · 4.125%
HK$158,421
baseline
▲ 0.50% · 4.625%
HK$168,060
+HK$9,639/mo
Deposit HK$21.79M · loan HK$32.69M · min. income ≈ HK$316,842/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$2,315,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,842
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$170,290
−HK$4,512/mo
Today · 4.125%
HK$174,802
baseline
▲ 0.50% · 4.625%
HK$184,016
+HK$9,214/mo
Deposit HK$21.79M · loan HK$32.69M · min. income ≈ HK$349,604/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$2,315,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,918
−HK$10,906/mo
▼ 0.25% · 3.875%
HK$179,328
−HK$5,496/mo
Today · 4.125%
HK$184,824
baseline
▲ 0.50% · 4.625%
HK$196,070
+HK$11,246/mo
Deposit HK$16.34M · loan HK$38.14M · min. income ≈ HK$369,648/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$2,315,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,482
−HK$10,453/mo
▼ 0.25% · 3.875%
HK$198,671
−HK$5,264/mo
Today · 4.125%
HK$203,935
baseline
▲ 0.50% · 4.625%
HK$214,685
+HK$10,750/mo
Deposit HK$16.34M · loan HK$38.14M · min. income ≈ HK$407,870/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$2,315,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,609
−HK$14,022/mo
▼ 0.25% · 3.875%
HK$230,565
−HK$7,066/mo
Today · 4.125%
HK$237,631
baseline
▲ 0.50% · 4.625%
HK$252,091
+HK$14,460/mo
Deposit HK$5.45M · loan HK$49.03M · min. income ≈ HK$475,262/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,315,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,763
−HK$13,440/mo
▼ 0.25% · 3.875%
HK$255,434
−HK$6,769/mo
Today · 4.125%
HK$262,203
baseline
▲ 0.50% · 4.625%
HK$276,024
+HK$13,821/mo
Deposit HK$5.45M · loan HK$49.03M · min. income ≈ HK$524,406/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,315,379 · Scale 2, in force from 26 Feb 2026)