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$133,281
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$137,427
−HK$4,212/mo
Today · 4.125%
HK$141,639
baseline
▲ 0.50% · 4.625%
HK$150,257
+HK$8,618/mo
Deposit HK$29.23M · loan HK$29.23M · min. income ≈ HK$283,278/mo (50% DSR)
Upfront cash ≈ HK$31.71M (deposit + AVD stamp duty HK$2,484,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,274
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$152,251
−HK$4,034/mo
Today · 4.125%
HK$156,285
baseline
▲ 0.50% · 4.625%
HK$164,523
+HK$8,238/mo
Deposit HK$29.23M · loan HK$29.23M · min. income ≈ HK$312,570/mo (50% DSR)
Upfront cash ≈ HK$31.71M (deposit + AVD stamp duty HK$2,484,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,937
−HK$10,030/mo
▼ 0.25% · 3.875%
HK$164,912
−HK$5,055/mo
Today · 4.125%
HK$169,967
baseline
▲ 0.50% · 4.625%
HK$180,309
+HK$10,342/mo
Deposit HK$23.38M · loan HK$35.07M · min. income ≈ HK$339,934/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,484,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,929
−HK$9,613/mo
▼ 0.25% · 3.875%
HK$182,701
−HK$4,841/mo
Today · 4.125%
HK$187,542
baseline
▲ 0.50% · 4.625%
HK$197,427
+HK$9,885/mo
Deposit HK$23.38M · loan HK$35.07M · min. income ≈ HK$375,084/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,484,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,594
−HK$11,701/mo
▼ 0.25% · 3.875%
HK$192,398
−HK$5,897/mo
Today · 4.125%
HK$198,295
baseline
▲ 0.50% · 4.625%
HK$210,360
+HK$12,065/mo
Deposit HK$17.54M · loan HK$40.92M · min. income ≈ HK$396,590/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$2,484,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,584
−HK$11,215/mo
▼ 0.25% · 3.875%
HK$213,151
−HK$5,648/mo
Today · 4.125%
HK$218,799
baseline
▲ 0.50% · 4.625%
HK$230,332
+HK$11,533/mo
Deposit HK$17.54M · loan HK$40.92M · min. income ≈ HK$437,598/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$2,484,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,906
−HK$15,044/mo
▼ 0.25% · 3.875%
HK$247,369
−HK$7,581/mo
Today · 4.125%
HK$254,950
baseline
▲ 0.50% · 4.625%
HK$270,463
+HK$15,513/mo
Deposit HK$5.85M · loan HK$52.61M · min. income ≈ HK$509,900/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$2,484,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,893
−HK$14,420/mo
▼ 0.25% · 3.875%
HK$274,051
−HK$7,262/mo
Today · 4.125%
HK$281,313
baseline
▲ 0.50% · 4.625%
HK$296,141
+HK$14,828/mo
Deposit HK$5.85M · loan HK$52.61M · min. income ≈ HK$562,626/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$2,484,129 · Scale 2, in force from 26 Feb 2026)