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$152,788
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$157,541
−HK$4,829/mo
Today · 4.125%
HK$162,370
baseline
▲ 0.50% · 4.625%
HK$172,249
+HK$9,879/mo
Deposit HK$33.50M · loan HK$33.50M · min. income ≈ HK$324,740/mo (50% DSR)
Upfront cash ≈ HK$36.35M (deposit + AVD stamp duty HK$2,847,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,976
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$174,534
−HK$4,625/mo
Today · 4.125%
HK$179,159
baseline
▲ 0.50% · 4.625%
HK$188,602
+HK$9,443/mo
Deposit HK$33.50M · loan HK$33.50M · min. income ≈ HK$358,318/mo (50% DSR)
Upfront cash ≈ HK$36.35M (deposit + AVD stamp duty HK$2,847,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,346
−HK$11,497/mo
▼ 0.25% · 3.875%
HK$189,049
−HK$5,794/mo
Today · 4.125%
HK$194,843
baseline
▲ 0.50% · 4.625%
HK$206,699
+HK$11,856/mo
Deposit HK$26.80M · loan HK$40.20M · min. income ≈ HK$389,686/mo (50% DSR)
Upfront cash ≈ HK$29.65M (deposit + AVD stamp duty HK$2,847,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,971
−HK$11,020/mo
▼ 0.25% · 3.875%
HK$209,441
−HK$5,550/mo
Today · 4.125%
HK$214,991
baseline
▲ 0.50% · 4.625%
HK$226,323
+HK$11,332/mo
Deposit HK$26.80M · loan HK$40.20M · min. income ≈ HK$429,982/mo (50% DSR)
Upfront cash ≈ HK$29.65M (deposit + AVD stamp duty HK$2,847,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,904
−HK$13,413/mo
▼ 0.25% · 3.875%
HK$220,557
−HK$6,760/mo
Today · 4.125%
HK$227,317
baseline
▲ 0.50% · 4.625%
HK$241,149
+HK$13,832/mo
Deposit HK$20.10M · loan HK$46.90M · min. income ≈ HK$454,634/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$2,847,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,966
−HK$12,856/mo
▼ 0.25% · 3.875%
HK$244,348
−HK$6,474/mo
Today · 4.125%
HK$250,822
baseline
▲ 0.50% · 4.625%
HK$264,043
+HK$13,221/mo
Deposit HK$20.10M · loan HK$46.90M · min. income ≈ HK$501,644/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$2,847,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,019
−HK$17,246/mo
▼ 0.25% · 3.875%
HK$283,574
−HK$8,691/mo
Today · 4.125%
HK$292,265
baseline
▲ 0.50% · 4.625%
HK$310,049
+HK$17,784/mo
Deposit HK$6.70M · loan HK$60.30M · min. income ≈ HK$584,530/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,847,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,956
−HK$16,530/mo
▼ 0.25% · 3.875%
HK$314,162
−HK$8,324/mo
Today · 4.125%
HK$322,486
baseline
▲ 0.50% · 4.625%
HK$339,484
+HK$16,998/mo
Deposit HK$6.70M · loan HK$60.30M · min. income ≈ HK$644,972/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,847,709 · Scale 2, in force from 26 Feb 2026)