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$113,496
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,026
−HK$3,587/mo
Today · 4.125%
HK$120,613
baseline
▲ 0.50% · 4.625%
HK$127,952
+HK$7,339/mo
Deposit HK$24.89M · loan HK$24.89M · min. income ≈ HK$241,226/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,115,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,263
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,649
−HK$3,436/mo
Today · 4.125%
HK$133,085
baseline
▲ 0.50% · 4.625%
HK$140,100
+HK$7,015/mo
Deposit HK$24.89M · loan HK$24.89M · min. income ≈ HK$266,170/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,115,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,195
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$140,432
−HK$4,304/mo
Today · 4.125%
HK$144,736
baseline
▲ 0.50% · 4.625%
HK$153,543
+HK$8,807/mo
Deposit HK$19.91M · loan HK$29.86M · min. income ≈ HK$289,472/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,115,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,516
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,579
−HK$4,123/mo
Today · 4.125%
HK$159,702
baseline
▲ 0.50% · 4.625%
HK$168,120
+HK$8,418/mo
Deposit HK$19.91M · loan HK$29.86M · min. income ≈ HK$319,404/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,115,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,894
−HK$9,964/mo
▼ 0.25% · 3.875%
HK$163,837
−HK$5,021/mo
Today · 4.125%
HK$168,858
baseline
▲ 0.50% · 4.625%
HK$179,133
+HK$10,275/mo
Deposit HK$14.93M · loan HK$34.84M · min. income ≈ HK$337,716/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,115,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,768
−HK$9,551/mo
▼ 0.25% · 3.875%
HK$181,509
−HK$4,810/mo
Today · 4.125%
HK$186,319
baseline
▲ 0.50% · 4.625%
HK$196,140
+HK$9,821/mo
Deposit HK$14.93M · loan HK$34.84M · min. income ≈ HK$372,638/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,115,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,293
−HK$12,811/mo
▼ 0.25% · 3.875%
HK$210,647
−HK$6,457/mo
Today · 4.125%
HK$217,104
baseline
▲ 0.50% · 4.625%
HK$230,314
+HK$13,210/mo
Deposit HK$4.98M · loan HK$44.80M · min. income ≈ HK$434,208/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,115,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,274
−HK$12,279/mo
▼ 0.25% · 3.875%
HK$233,369
−HK$6,184/mo
Today · 4.125%
HK$239,553
baseline
▲ 0.50% · 4.625%
HK$252,180
+HK$12,627/mo
Deposit HK$4.98M · loan HK$44.80M · min. income ≈ HK$479,106/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,115,367 · Scale 2, in force from 26 Feb 2026)