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$125,958
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,876
−HK$3,981/mo
Today · 4.125%
HK$133,857
baseline
▲ 0.50% · 4.625%
HK$142,002
+HK$8,145/mo
Deposit HK$27.62M · loan HK$27.62M · min. income ≈ HK$267,714/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,347,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,128
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,886
−HK$3,812/mo
Today · 4.125%
HK$147,698
baseline
▲ 0.50% · 4.625%
HK$155,484
+HK$7,786/mo
Deposit HK$27.62M · loan HK$27.62M · min. income ≈ HK$295,396/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,347,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,150
−HK$9,479/mo
▼ 0.25% · 3.875%
HK$155,852
−HK$4,777/mo
Today · 4.125%
HK$160,629
baseline
▲ 0.50% · 4.625%
HK$170,402
+HK$9,773/mo
Deposit HK$22.10M · loan HK$33.14M · min. income ≈ HK$321,258/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$2,347,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,153
−HK$9,085/mo
▼ 0.25% · 3.875%
HK$172,663
−HK$4,575/mo
Today · 4.125%
HK$177,238
baseline
▲ 0.50% · 4.625%
HK$186,580
+HK$9,342/mo
Deposit HK$22.10M · loan HK$33.14M · min. income ≈ HK$354,476/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$2,347,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,342
−HK$11,058/mo
▼ 0.25% · 3.875%
HK$181,827
−HK$5,573/mo
Today · 4.125%
HK$187,400
baseline
▲ 0.50% · 4.625%
HK$198,803
+HK$11,403/mo
Deposit HK$16.57M · loan HK$38.67M · min. income ≈ HK$374,800/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$2,347,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,179
−HK$10,598/mo
▼ 0.25% · 3.875%
HK$201,440
−HK$5,337/mo
Today · 4.125%
HK$206,777
baseline
▲ 0.50% · 4.625%
HK$217,677
+HK$10,900/mo
Deposit HK$16.57M · loan HK$38.67M · min. income ≈ HK$413,554/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$2,347,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,725
−HK$14,218/mo
▼ 0.25% · 3.875%
HK$233,778
−HK$7,165/mo
Today · 4.125%
HK$240,943
baseline
▲ 0.50% · 4.625%
HK$255,604
+HK$14,661/mo
Deposit HK$5.52M · loan HK$49.71M · min. income ≈ HK$481,886/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,347,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,230
−HK$13,627/mo
▼ 0.25% · 3.875%
HK$258,994
−HK$6,863/mo
Today · 4.125%
HK$265,857
baseline
▲ 0.50% · 4.625%
HK$279,870
+HK$14,013/mo
Deposit HK$5.52M · loan HK$49.71M · min. income ≈ HK$531,714/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,347,646 · Scale 2, in force from 26 Feb 2026)