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$172,232
−HK$10,800/mo
▼ 0.25% · 3.875%
HK$177,589
−HK$5,443/mo
Today · 4.125%
HK$183,032
baseline
▲ 0.50% · 4.625%
HK$194,169
+HK$11,137/mo
Deposit HK$37.77M · loan HK$37.77M · min. income ≈ HK$366,064/mo (50% DSR)
Upfront cash ≈ HK$40.98M (deposit + AVD stamp duty HK$3,210,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,606
−HK$10,352/mo
▼ 0.25% · 3.875%
HK$196,745
−HK$5,213/mo
Today · 4.125%
HK$201,958
baseline
▲ 0.50% · 4.625%
HK$212,604
+HK$10,646/mo
Deposit HK$37.77M · loan HK$37.77M · min. income ≈ HK$403,916/mo (50% DSR)
Upfront cash ≈ HK$40.98M (deposit + AVD stamp duty HK$3,210,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,678
−HK$12,961/mo
▼ 0.25% · 3.875%
HK$213,107
−HK$6,532/mo
Today · 4.125%
HK$219,639
baseline
▲ 0.50% · 4.625%
HK$233,003
+HK$13,364/mo
Deposit HK$30.21M · loan HK$45.32M · min. income ≈ HK$439,278/mo (50% DSR)
Upfront cash ≈ HK$33.42M (deposit + AVD stamp duty HK$3,210,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,927
−HK$12,423/mo
▼ 0.25% · 3.875%
HK$236,094
−HK$6,256/mo
Today · 4.125%
HK$242,350
baseline
▲ 0.50% · 4.625%
HK$255,124
+HK$12,774/mo
Deposit HK$30.21M · loan HK$45.32M · min. income ≈ HK$484,700/mo (50% DSR)
Upfront cash ≈ HK$33.42M (deposit + AVD stamp duty HK$3,210,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,125
−HK$15,120/mo
▼ 0.25% · 3.875%
HK$248,625
−HK$7,620/mo
Today · 4.125%
HK$256,245
baseline
▲ 0.50% · 4.625%
HK$271,837
+HK$15,592/mo
Deposit HK$22.66M · loan HK$52.87M · min. income ≈ HK$512,490/mo (50% DSR)
Upfront cash ≈ HK$25.87M (deposit + AVD stamp duty HK$3,210,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,249
−HK$14,492/mo
▼ 0.25% · 3.875%
HK$275,443
−HK$7,298/mo
Today · 4.125%
HK$282,741
baseline
▲ 0.50% · 4.625%
HK$297,645
+HK$14,904/mo
Deposit HK$22.66M · loan HK$52.87M · min. income ≈ HK$565,482/mo (50% DSR)
Upfront cash ≈ HK$25.87M (deposit + AVD stamp duty HK$3,210,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,017
−HK$19,441/mo
▼ 0.25% · 3.875%
HK$319,661
−HK$9,797/mo
Today · 4.125%
HK$329,458
baseline
▲ 0.50% · 4.625%
HK$349,505
+HK$20,047/mo
Deposit HK$7.55M · loan HK$67.98M · min. income ≈ HK$658,916/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$3,210,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,891
−HK$18,634/mo
▼ 0.25% · 3.875%
HK$354,141
−HK$9,384/mo
Today · 4.125%
HK$363,525
baseline
▲ 0.50% · 4.625%
HK$382,687
+HK$19,162/mo
Deposit HK$7.55M · loan HK$67.98M · min. income ≈ HK$727,050/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$3,210,102 · Scale 2, in force from 26 Feb 2026)