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$179,750
−HK$11,272/mo
▼ 0.25% · 3.875%
HK$185,342
−HK$5,680/mo
Today · 4.125%
HK$191,022
baseline
▲ 0.50% · 4.625%
HK$202,645
+HK$11,623/mo
Deposit HK$39.41M · loan HK$39.41M · min. income ≈ HK$382,044/mo (50% DSR)
Upfront cash ≈ HK$42.76M (deposit + AVD stamp duty HK$3,350,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,970
−HK$10,804/mo
▼ 0.25% · 3.875%
HK$205,333
−HK$5,441/mo
Today · 4.125%
HK$210,774
baseline
▲ 0.50% · 4.625%
HK$221,884
+HK$11,110/mo
Deposit HK$39.41M · loan HK$39.41M · min. income ≈ HK$421,548/mo (50% DSR)
Upfront cash ≈ HK$42.76M (deposit + AVD stamp duty HK$3,350,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,700
−HK$13,527/mo
▼ 0.25% · 3.875%
HK$222,410
−HK$6,817/mo
Today · 4.125%
HK$229,227
baseline
▲ 0.50% · 4.625%
HK$243,175
+HK$13,948/mo
Deposit HK$31.53M · loan HK$47.30M · min. income ≈ HK$458,454/mo (50% DSR)
Upfront cash ≈ HK$34.88M (deposit + AVD stamp duty HK$3,350,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,964
−HK$12,965/mo
▼ 0.25% · 3.875%
HK$246,400
−HK$6,529/mo
Today · 4.125%
HK$252,929
baseline
▲ 0.50% · 4.625%
HK$266,261
+HK$13,332/mo
Deposit HK$31.53M · loan HK$47.30M · min. income ≈ HK$505,858/mo (50% DSR)
Upfront cash ≈ HK$34.88M (deposit + AVD stamp duty HK$3,350,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,650
−HK$15,781/mo
▼ 0.25% · 3.875%
HK$259,478
−HK$7,953/mo
Today · 4.125%
HK$267,431
baseline
▲ 0.50% · 4.625%
HK$283,704
+HK$16,273/mo
Deposit HK$23.65M · loan HK$55.18M · min. income ≈ HK$534,862/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$3,350,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,959
−HK$15,125/mo
▼ 0.25% · 3.875%
HK$287,467
−HK$7,617/mo
Today · 4.125%
HK$295,084
baseline
▲ 0.50% · 4.625%
HK$310,638
+HK$15,554/mo
Deposit HK$23.65M · loan HK$55.18M · min. income ≈ HK$590,168/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$3,350,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,551
−HK$20,289/mo
▼ 0.25% · 3.875%
HK$333,615
−HK$10,225/mo
Today · 4.125%
HK$343,840
baseline
▲ 0.50% · 4.625%
HK$364,762
+HK$20,922/mo
Deposit HK$7.88M · loan HK$70.95M · min. income ≈ HK$687,680/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$3,350,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$359,947
−HK$19,446/mo
▼ 0.25% · 3.875%
HK$369,600
−HK$9,793/mo
Today · 4.125%
HK$379,393
baseline
▲ 0.50% · 4.625%
HK$399,392
+HK$19,999/mo
Deposit HK$7.88M · loan HK$70.95M · min. income ≈ HK$758,786/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$3,350,232 · Scale 2, in force from 26 Feb 2026)