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$114,889
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,463
−HK$3,631/mo
Today · 4.125%
HK$122,094
baseline
▲ 0.50% · 4.625%
HK$129,523
+HK$7,429/mo
Deposit HK$25.19M · loan HK$25.19M · min. income ≈ HK$244,188/mo (50% DSR)
Upfront cash ≈ HK$27.33M (deposit + AVD stamp duty HK$2,141,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,813
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$131,241
−HK$3,477/mo
Today · 4.125%
HK$134,718
baseline
▲ 0.50% · 4.625%
HK$141,819
+HK$7,101/mo
Deposit HK$25.19M · loan HK$25.19M · min. income ≈ HK$269,436/mo (50% DSR)
Upfront cash ≈ HK$27.33M (deposit + AVD stamp duty HK$2,141,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,867
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$142,155
−HK$4,357/mo
Today · 4.125%
HK$146,512
baseline
▲ 0.50% · 4.625%
HK$155,427
+HK$8,915/mo
Deposit HK$20.15M · loan HK$30.23M · min. income ≈ HK$293,024/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,141,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,375
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,489
−HK$4,173/mo
Today · 4.125%
HK$161,662
baseline
▲ 0.50% · 4.625%
HK$170,183
+HK$8,521/mo
Deposit HK$20.15M · loan HK$30.23M · min. income ≈ HK$323,324/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,141,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,845
−HK$10,086/mo
▼ 0.25% · 3.875%
HK$165,848
−HK$5,083/mo
Today · 4.125%
HK$170,931
baseline
▲ 0.50% · 4.625%
HK$181,332
+HK$10,401/mo
Deposit HK$15.12M · loan HK$35.27M · min. income ≈ HK$341,862/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$2,141,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,938
−HK$9,667/mo
▼ 0.25% · 3.875%
HK$183,737
−HK$4,868/mo
Today · 4.125%
HK$188,605
baseline
▲ 0.50% · 4.625%
HK$198,547
+HK$9,942/mo
Deposit HK$15.12M · loan HK$35.27M · min. income ≈ HK$377,210/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$2,141,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,800
−HK$12,968/mo
▼ 0.25% · 3.875%
HK$213,233
−HK$6,535/mo
Today · 4.125%
HK$219,768
baseline
▲ 0.50% · 4.625%
HK$233,141
+HK$13,373/mo
Deposit HK$5.04M · loan HK$45.35M · min. income ≈ HK$439,536/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,141,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,063
−HK$12,430/mo
▼ 0.25% · 3.875%
HK$236,233
−HK$6,260/mo
Today · 4.125%
HK$242,493
baseline
▲ 0.50% · 4.625%
HK$255,275
+HK$12,782/mo
Deposit HK$5.04M · loan HK$45.35M · min. income ≈ HK$484,986/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$2,141,330 · Scale 2, in force from 26 Feb 2026)