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$133,161
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,303
−HK$4,208/mo
Today · 4.125%
HK$141,511
baseline
▲ 0.50% · 4.625%
HK$150,122
+HK$8,611/mo
Deposit HK$29.20M · loan HK$29.20M · min. income ≈ HK$283,022/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,481,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,140
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,113
−HK$4,031/mo
Today · 4.125%
HK$156,144
baseline
▲ 0.50% · 4.625%
HK$164,374
+HK$8,230/mo
Deposit HK$29.20M · loan HK$29.20M · min. income ≈ HK$312,288/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,481,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,793
−HK$10,020/mo
▼ 0.25% · 3.875%
HK$164,763
−HK$5,050/mo
Today · 4.125%
HK$169,813
baseline
▲ 0.50% · 4.625%
HK$180,146
+HK$10,333/mo
Deposit HK$23.36M · loan HK$35.04M · min. income ≈ HK$339,626/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,481,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,768
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$182,536
−HK$4,836/mo
Today · 4.125%
HK$187,372
baseline
▲ 0.50% · 4.625%
HK$197,249
+HK$9,877/mo
Deposit HK$23.36M · loan HK$35.04M · min. income ≈ HK$374,744/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,481,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,425
−HK$11,691/mo
▼ 0.25% · 3.875%
HK$192,224
−HK$5,892/mo
Today · 4.125%
HK$198,116
baseline
▲ 0.50% · 4.625%
HK$210,170
+HK$12,054/mo
Deposit HK$17.52M · loan HK$40.88M · min. income ≈ HK$396,232/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,481,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,396
−HK$11,205/mo
▼ 0.25% · 3.875%
HK$212,958
−HK$5,643/mo
Today · 4.125%
HK$218,601
baseline
▲ 0.50% · 4.625%
HK$230,124
+HK$11,523/mo
Deposit HK$17.52M · loan HK$40.88M · min. income ≈ HK$437,202/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,481,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,689
−HK$15,031/mo
▼ 0.25% · 3.875%
HK$247,145
−HK$7,575/mo
Today · 4.125%
HK$254,720
baseline
▲ 0.50% · 4.625%
HK$270,219
+HK$15,499/mo
Deposit HK$5.84M · loan HK$52.56M · min. income ≈ HK$509,440/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,481,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,652
−HK$14,406/mo
▼ 0.25% · 3.875%
HK$273,804
−HK$7,254/mo
Today · 4.125%
HK$281,058
baseline
▲ 0.50% · 4.625%
HK$295,873
+HK$14,815/mo
Deposit HK$5.84M · loan HK$52.56M · min. income ≈ HK$562,116/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,481,885 · Scale 2, in force from 26 Feb 2026)