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$112,090
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,577
−HK$3,543/mo
Today · 4.125%
HK$119,120
baseline
▲ 0.50% · 4.625%
HK$126,368
+HK$7,248/mo
Deposit HK$24.58M · loan HK$24.58M · min. income ≈ HK$238,240/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,089,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,700
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$128,044
−HK$3,393/mo
Today · 4.125%
HK$131,437
baseline
▲ 0.50% · 4.625%
HK$138,365
+HK$6,928/mo
Deposit HK$24.58M · loan HK$24.58M · min. income ≈ HK$262,874/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,089,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,509
−HK$8,434/mo
▼ 0.25% · 3.875%
HK$138,693
−HK$4,250/mo
Today · 4.125%
HK$142,943
baseline
▲ 0.50% · 4.625%
HK$151,641
+HK$8,698/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$285,886/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,089,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,639
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$153,653
−HK$4,071/mo
Today · 4.125%
HK$157,724
baseline
▲ 0.50% · 4.625%
HK$166,038
+HK$8,314/mo
Deposit HK$19.66M · loan HK$29.49M · min. income ≈ HK$315,448/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,089,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,927
−HK$9,840/mo
▼ 0.25% · 3.875%
HK$161,808
−HK$4,959/mo
Today · 4.125%
HK$166,767
baseline
▲ 0.50% · 4.625%
HK$176,915
+HK$10,148/mo
Deposit HK$14.75M · loan HK$34.41M · min. income ≈ HK$333,534/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,089,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,579
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$179,261
−HK$4,750/mo
Today · 4.125%
HK$184,011
baseline
▲ 0.50% · 4.625%
HK$193,711
+HK$9,700/mo
Deposit HK$14.75M · loan HK$34.41M · min. income ≈ HK$368,022/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$2,089,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,763
−HK$12,652/mo
▼ 0.25% · 3.875%
HK$208,039
−HK$6,376/mo
Today · 4.125%
HK$214,415
baseline
▲ 0.50% · 4.625%
HK$227,462
+HK$13,047/mo
Deposit HK$4.92M · loan HK$44.24M · min. income ≈ HK$428,830/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,089,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,459
−HK$12,127/mo
▼ 0.25% · 3.875%
HK$230,479
−HK$6,107/mo
Today · 4.125%
HK$236,586
baseline
▲ 0.50% · 4.625%
HK$249,057
+HK$12,471/mo
Deposit HK$4.92M · loan HK$44.24M · min. income ≈ HK$473,172/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,089,172 · Scale 2, in force from 26 Feb 2026)