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$122,523
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$126,334
−HK$3,872/mo
Today · 4.125%
HK$130,206
baseline
▲ 0.50% · 4.625%
HK$138,129
+HK$7,923/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$260,412/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,283,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,306
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$139,961
−HK$3,709/mo
Today · 4.125%
HK$143,670
baseline
▲ 0.50% · 4.625%
HK$151,243
+HK$7,573/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$287,340/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,283,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,028
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$151,601
−HK$4,647/mo
Today · 4.125%
HK$156,248
baseline
▲ 0.50% · 4.625%
HK$165,755
+HK$9,507/mo
Deposit HK$21.49M · loan HK$32.24M · min. income ≈ HK$312,496/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,283,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,567
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$167,954
−HK$4,450/mo
Today · 4.125%
HK$172,404
baseline
▲ 0.50% · 4.625%
HK$181,492
+HK$9,088/mo
Deposit HK$21.49M · loan HK$32.24M · min. income ≈ HK$344,808/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,283,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,532
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$176,868
−HK$5,421/mo
Today · 4.125%
HK$182,289
baseline
▲ 0.50% · 4.625%
HK$193,381
+HK$11,092/mo
Deposit HK$16.12M · loan HK$37.61M · min. income ≈ HK$364,578/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$2,283,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,828
−HK$10,310/mo
▼ 0.25% · 3.875%
HK$195,946
−HK$5,192/mo
Today · 4.125%
HK$201,138
baseline
▲ 0.50% · 4.625%
HK$211,740
+HK$10,602/mo
Deposit HK$16.12M · loan HK$37.61M · min. income ≈ HK$402,276/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$2,283,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,542
−HK$13,829/mo
▼ 0.25% · 3.875%
HK$227,402
−HK$6,969/mo
Today · 4.125%
HK$234,371
baseline
▲ 0.50% · 4.625%
HK$248,632
+HK$14,261/mo
Deposit HK$5.37M · loan HK$48.36M · min. income ≈ HK$468,742/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,283,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,350
−HK$13,256/mo
▼ 0.25% · 3.875%
HK$251,930
−HK$6,676/mo
Today · 4.125%
HK$258,606
baseline
▲ 0.50% · 4.625%
HK$272,237
+HK$13,631/mo
Deposit HK$5.37M · loan HK$48.36M · min. income ≈ HK$517,212/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,283,617 · Scale 2, in force from 26 Feb 2026)