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$217,635
−HK$13,647/mo
▼ 0.25% · 3.875%
HK$224,404
−HK$6,878/mo
Today · 4.125%
HK$231,282
baseline
▲ 0.50% · 4.625%
HK$245,355
+HK$14,073/mo
Deposit HK$47.72M · loan HK$47.72M · min. income ≈ HK$462,564/mo (50% DSR)
Upfront cash ≈ HK$51.78M (deposit + AVD stamp duty HK$4,056,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,116
−HK$13,081/mo
▼ 0.25% · 3.875%
HK$248,610
−HK$6,587/mo
Today · 4.125%
HK$255,197
baseline
▲ 0.50% · 4.625%
HK$268,649
+HK$13,452/mo
Deposit HK$47.72M · loan HK$47.72M · min. income ≈ HK$510,394/mo (50% DSR)
Upfront cash ≈ HK$51.78M (deposit + AVD stamp duty HK$4,056,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,162
−HK$16,377/mo
▼ 0.25% · 3.875%
HK$269,285
−HK$8,254/mo
Today · 4.125%
HK$277,539
baseline
▲ 0.50% · 4.625%
HK$294,426
+HK$16,887/mo
Deposit HK$38.18M · loan HK$57.27M · min. income ≈ HK$555,078/mo (50% DSR)
Upfront cash ≈ HK$42.23M (deposit + AVD stamp duty HK$4,056,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,540
−HK$15,697/mo
▼ 0.25% · 3.875%
HK$298,332
−HK$7,905/mo
Today · 4.125%
HK$306,237
baseline
▲ 0.50% · 4.625%
HK$322,379
+HK$16,142/mo
Deposit HK$38.18M · loan HK$57.27M · min. income ≈ HK$612,474/mo (50% DSR)
Upfront cash ≈ HK$42.23M (deposit + AVD stamp duty HK$4,056,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,688
−HK$19,107/mo
▼ 0.25% · 3.875%
HK$314,166
−HK$9,629/mo
Today · 4.125%
HK$323,795
baseline
▲ 0.50% · 4.625%
HK$343,497
+HK$19,702/mo
Deposit HK$28.63M · loan HK$66.81M · min. income ≈ HK$647,590/mo (50% DSR)
Upfront cash ≈ HK$32.69M (deposit + AVD stamp duty HK$4,056,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$338,963
−HK$18,313/mo
▼ 0.25% · 3.875%
HK$348,054
−HK$9,222/mo
Today · 4.125%
HK$357,276
baseline
▲ 0.50% · 4.625%
HK$376,109
+HK$18,833/mo
Deposit HK$28.63M · loan HK$66.81M · min. income ≈ HK$714,552/mo (50% DSR)
Upfront cash ≈ HK$32.69M (deposit + AVD stamp duty HK$4,056,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$391,742
−HK$24,566/mo
▼ 0.25% · 3.875%
HK$403,928
−HK$12,380/mo
Today · 4.125%
HK$416,308
baseline
▲ 0.50% · 4.625%
HK$441,639
+HK$25,331/mo
Deposit HK$9.54M · loan HK$85.90M · min. income ≈ HK$832,616/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$4,056,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$435,809
−HK$23,546/mo
▼ 0.25% · 3.875%
HK$447,498
−HK$11,857/mo
Today · 4.125%
HK$459,355
baseline
▲ 0.50% · 4.625%
HK$483,568
+HK$24,213/mo
Deposit HK$9.54M · loan HK$85.90M · min. income ≈ HK$918,710/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$4,056,330 · Scale 2, in force from 26 Feb 2026)