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$276,862
−HK$17,362/mo
▼ 0.25% · 3.875%
HK$285,474
−HK$8,750/mo
Today · 4.125%
HK$294,224
baseline
▲ 0.50% · 4.625%
HK$312,127
+HK$17,903/mo
Deposit HK$60.71M · loan HK$60.71M · min. income ≈ HK$588,448/mo (50% DSR)
Upfront cash ≈ HK$68.60M (deposit + AVD stamp duty HK$7,892,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,007
−HK$16,640/mo
▼ 0.25% · 3.875%
HK$316,267
−HK$8,380/mo
Today · 4.125%
HK$324,647
baseline
▲ 0.50% · 4.625%
HK$341,760
+HK$17,113/mo
Deposit HK$60.71M · loan HK$60.71M · min. income ≈ HK$649,294/mo (50% DSR)
Upfront cash ≈ HK$68.60M (deposit + AVD stamp duty HK$7,892,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$332,235
−HK$20,834/mo
▼ 0.25% · 3.875%
HK$342,569
−HK$10,500/mo
Today · 4.125%
HK$353,069
baseline
▲ 0.50% · 4.625%
HK$374,552
+HK$21,483/mo
Deposit HK$48.57M · loan HK$72.85M · min. income ≈ HK$706,138/mo (50% DSR)
Upfront cash ≈ HK$56.46M (deposit + AVD stamp duty HK$7,892,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$369,608
−HK$19,969/mo
▼ 0.25% · 3.875%
HK$379,521
−HK$10,056/mo
Today · 4.125%
HK$389,577
baseline
▲ 0.50% · 4.625%
HK$410,112
+HK$20,535/mo
Deposit HK$48.57M · loan HK$72.85M · min. income ≈ HK$779,154/mo (50% DSR)
Upfront cash ≈ HK$56.46M (deposit + AVD stamp duty HK$7,892,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$387,607
−HK$24,307/mo
▼ 0.25% · 3.875%
HK$399,664
−HK$12,250/mo
Today · 4.125%
HK$411,914
baseline
▲ 0.50% · 4.625%
HK$436,978
+HK$25,064/mo
Deposit HK$36.43M · loan HK$84.99M · min. income ≈ HK$823,828/mo (50% DSR)
Upfront cash ≈ HK$44.32M (deposit + AVD stamp duty HK$7,892,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$431,209
−HK$23,297/mo
▼ 0.25% · 3.875%
HK$442,774
−HK$11,732/mo
Today · 4.125%
HK$454,506
baseline
▲ 0.50% · 4.625%
HK$478,464
+HK$23,958/mo
Deposit HK$36.43M · loan HK$84.99M · min. income ≈ HK$909,012/mo (50% DSR)
Upfront cash ≈ HK$44.32M (deposit + AVD stamp duty HK$7,892,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$498,352
−HK$31,251/mo
▼ 0.25% · 3.875%
HK$513,854
−HK$15,749/mo
Today · 4.125%
HK$529,603
baseline
▲ 0.50% · 4.625%
HK$561,829
+HK$32,226/mo
Deposit HK$12.14M · loan HK$109.28M · min. income ≈ HK$1,059,206/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$7,892,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$554,412
−HK$29,953/mo
▼ 0.25% · 3.875%
HK$569,281
−HK$15,084/mo
Today · 4.125%
HK$584,365
baseline
▲ 0.50% · 4.625%
HK$615,168
+HK$30,803/mo
Deposit HK$12.14M · loan HK$109.28M · min. income ≈ HK$1,168,730/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$7,892,120 · Scale 2, in force from 26 Feb 2026)