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$201,987
−HK$12,666/mo
▼ 0.25% · 3.875%
HK$208,270
−HK$6,383/mo
Today · 4.125%
HK$214,653
baseline
▲ 0.50% · 4.625%
HK$227,714
+HK$13,061/mo
Deposit HK$44.29M · loan HK$44.29M · min. income ≈ HK$429,306/mo (50% DSR)
Upfront cash ≈ HK$48.06M (deposit + AVD stamp duty HK$3,764,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,708
−HK$12,141/mo
▼ 0.25% · 3.875%
HK$230,735
−HK$6,114/mo
Today · 4.125%
HK$236,849
baseline
▲ 0.50% · 4.625%
HK$249,333
+HK$12,484/mo
Deposit HK$44.29M · loan HK$44.29M · min. income ≈ HK$473,698/mo (50% DSR)
Upfront cash ≈ HK$48.06M (deposit + AVD stamp duty HK$3,764,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,384
−HK$15,200/mo
▼ 0.25% · 3.875%
HK$249,924
−HK$7,660/mo
Today · 4.125%
HK$257,584
baseline
▲ 0.50% · 4.625%
HK$273,257
+HK$15,673/mo
Deposit HK$35.43M · loan HK$53.15M · min. income ≈ HK$515,168/mo (50% DSR)
Upfront cash ≈ HK$39.20M (deposit + AVD stamp duty HK$3,764,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,650
−HK$14,568/mo
▼ 0.25% · 3.875%
HK$276,882
−HK$7,336/mo
Today · 4.125%
HK$284,218
baseline
▲ 0.50% · 4.625%
HK$299,200
+HK$14,982/mo
Deposit HK$35.43M · loan HK$53.15M · min. income ≈ HK$568,436/mo (50% DSR)
Upfront cash ≈ HK$39.20M (deposit + AVD stamp duty HK$3,764,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,782
−HK$17,733/mo
▼ 0.25% · 3.875%
HK$291,578
−HK$8,937/mo
Today · 4.125%
HK$300,515
baseline
▲ 0.50% · 4.625%
HK$318,800
+HK$18,285/mo
Deposit HK$26.57M · loan HK$62.01M · min. income ≈ HK$601,030/mo (50% DSR)
Upfront cash ≈ HK$30.34M (deposit + AVD stamp duty HK$3,764,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,592
−HK$16,996/mo
▼ 0.25% · 3.875%
HK$323,029
−HK$8,559/mo
Today · 4.125%
HK$331,588
baseline
▲ 0.50% · 4.625%
HK$349,067
+HK$17,479/mo
Deposit HK$26.57M · loan HK$62.01M · min. income ≈ HK$663,176/mo (50% DSR)
Upfront cash ≈ HK$30.34M (deposit + AVD stamp duty HK$3,764,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$363,576
−HK$22,800/mo
▼ 0.25% · 3.875%
HK$374,886
−HK$11,490/mo
Today · 4.125%
HK$386,376
baseline
▲ 0.50% · 4.625%
HK$409,886
+HK$23,510/mo
Deposit HK$8.86M · loan HK$79.72M · min. income ≈ HK$772,752/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$3,764,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$404,475
−HK$21,853/mo
▼ 0.25% · 3.875%
HK$415,323
−HK$11,005/mo
Today · 4.125%
HK$426,328
baseline
▲ 0.50% · 4.625%
HK$448,800
+HK$22,472/mo
Deposit HK$8.86M · loan HK$79.72M · min. income ≈ HK$852,656/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$3,764,683 · Scale 2, in force from 26 Feb 2026)