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$137,438
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$141,713
−HK$4,344/mo
Today · 4.125%
HK$146,057
baseline
▲ 0.50% · 4.625%
HK$154,944
+HK$8,887/mo
Deposit HK$30.14M · loan HK$30.14M · min. income ≈ HK$292,114/mo (50% DSR)
Upfront cash ≈ HK$32.70M (deposit + AVD stamp duty HK$2,561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,898
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$156,999
−HK$4,160/mo
Today · 4.125%
HK$161,159
baseline
▲ 0.50% · 4.625%
HK$169,654
+HK$8,495/mo
Deposit HK$30.14M · loan HK$30.14M · min. income ≈ HK$322,318/mo (50% DSR)
Upfront cash ≈ HK$32.70M (deposit + AVD stamp duty HK$2,561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,926
−HK$10,342/mo
▼ 0.25% · 3.875%
HK$170,056
−HK$5,212/mo
Today · 4.125%
HK$175,268
baseline
▲ 0.50% · 4.625%
HK$185,933
+HK$10,665/mo
Deposit HK$24.11M · loan HK$36.16M · min. income ≈ HK$350,536/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,478
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$188,399
−HK$4,992/mo
Today · 4.125%
HK$193,391
baseline
▲ 0.50% · 4.625%
HK$203,585
+HK$10,194/mo
Deposit HK$24.11M · loan HK$36.16M · min. income ≈ HK$386,782/mo (50% DSR)
Upfront cash ≈ HK$26.67M (deposit + AVD stamp duty HK$2,561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,413
−HK$12,066/mo
▼ 0.25% · 3.875%
HK$198,398
−HK$6,081/mo
Today · 4.125%
HK$204,479
baseline
▲ 0.50% · 4.625%
HK$216,921
+HK$12,442/mo
Deposit HK$18.08M · loan HK$42.19M · min. income ≈ HK$408,958/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$2,561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,058
−HK$11,565/mo
▼ 0.25% · 3.875%
HK$219,799
−HK$5,824/mo
Today · 4.125%
HK$225,623
baseline
▲ 0.50% · 4.625%
HK$237,516
+HK$11,893/mo
Deposit HK$18.08M · loan HK$42.19M · min. income ≈ HK$451,246/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$2,561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,389
−HK$15,513/mo
▼ 0.25% · 3.875%
HK$255,084
−HK$7,818/mo
Today · 4.125%
HK$262,902
baseline
▲ 0.50% · 4.625%
HK$278,899
+HK$15,997/mo
Deposit HK$6.03M · loan HK$54.25M · min. income ≈ HK$525,804/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$2,561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,217
−HK$14,869/mo
▼ 0.25% · 3.875%
HK$282,598
−HK$7,488/mo
Today · 4.125%
HK$290,086
baseline
▲ 0.50% · 4.625%
HK$305,377
+HK$15,291/mo
Deposit HK$6.03M · loan HK$54.25M · min. income ≈ HK$580,172/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$2,561,606 · Scale 2, in force from 26 Feb 2026)