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$161,015
−HK$10,097/mo
▼ 0.25% · 3.875%
HK$166,023
−HK$5,089/mo
Today · 4.125%
HK$171,112
baseline
▲ 0.50% · 4.625%
HK$181,524
+HK$10,412/mo
Deposit HK$35.31M · loan HK$35.31M · min. income ≈ HK$342,224/mo (50% DSR)
Upfront cash ≈ HK$38.31M (deposit + AVD stamp duty HK$3,001,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,127
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$183,932
−HK$4,873/mo
Today · 4.125%
HK$188,805
baseline
▲ 0.50% · 4.625%
HK$198,757
+HK$9,952/mo
Deposit HK$35.31M · loan HK$35.31M · min. income ≈ HK$377,610/mo (50% DSR)
Upfront cash ≈ HK$38.31M (deposit + AVD stamp duty HK$3,001,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,218
−HK$12,116/mo
▼ 0.25% · 3.875%
HK$199,228
−HK$6,106/mo
Today · 4.125%
HK$205,334
baseline
▲ 0.50% · 4.625%
HK$217,828
+HK$12,494/mo
Deposit HK$28.25M · loan HK$42.37M · min. income ≈ HK$410,668/mo (50% DSR)
Upfront cash ≈ HK$31.25M (deposit + AVD stamp duty HK$3,001,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,953
−HK$11,613/mo
▼ 0.25% · 3.875%
HK$220,718
−HK$5,848/mo
Today · 4.125%
HK$226,566
baseline
▲ 0.50% · 4.625%
HK$238,509
+HK$11,943/mo
Deposit HK$28.25M · loan HK$42.37M · min. income ≈ HK$453,132/mo (50% DSR)
Upfront cash ≈ HK$31.25M (deposit + AVD stamp duty HK$3,001,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,421
−HK$14,136/mo
▼ 0.25% · 3.875%
HK$232,433
−HK$7,124/mo
Today · 4.125%
HK$239,557
baseline
▲ 0.50% · 4.625%
HK$254,133
+HK$14,576/mo
Deposit HK$21.18M · loan HK$49.43M · min. income ≈ HK$479,114/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$3,001,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,778
−HK$13,549/mo
▼ 0.25% · 3.875%
HK$257,504
−HK$6,823/mo
Today · 4.125%
HK$264,327
baseline
▲ 0.50% · 4.625%
HK$278,260
+HK$13,933/mo
Deposit HK$21.18M · loan HK$49.43M · min. income ≈ HK$528,654/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$3,001,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,827
−HK$18,174/mo
▼ 0.25% · 3.875%
HK$298,842
−HK$9,159/mo
Today · 4.125%
HK$308,001
baseline
▲ 0.50% · 4.625%
HK$326,743
+HK$18,742/mo
Deposit HK$7.06M · loan HK$63.55M · min. income ≈ HK$616,002/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$3,001,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,429
−HK$17,420/mo
▼ 0.25% · 3.875%
HK$331,077
−HK$8,772/mo
Today · 4.125%
HK$339,849
baseline
▲ 0.50% · 4.625%
HK$357,763
+HK$17,914/mo
Deposit HK$7.06M · loan HK$63.55M · min. income ≈ HK$679,698/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$3,001,037 · Scale 2, in force from 26 Feb 2026)