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$168,054
−HK$10,539/mo
▼ 0.25% · 3.875%
HK$173,282
−HK$5,311/mo
Today · 4.125%
HK$178,593
baseline
▲ 0.50% · 4.625%
HK$189,460
+HK$10,867/mo
Deposit HK$36.85M · loan HK$36.85M · min. income ≈ HK$357,186/mo (50% DSR)
Upfront cash ≈ HK$39.98M (deposit + AVD stamp duty HK$3,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,959
−HK$10,100/mo
▼ 0.25% · 3.875%
HK$191,973
−HK$5,086/mo
Today · 4.125%
HK$197,059
baseline
▲ 0.50% · 4.625%
HK$207,447
+HK$10,388/mo
Deposit HK$36.85M · loan HK$36.85M · min. income ≈ HK$394,118/mo (50% DSR)
Upfront cash ≈ HK$39.98M (deposit + AVD stamp duty HK$3,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,665
−HK$12,646/mo
▼ 0.25% · 3.875%
HK$207,938
−HK$6,373/mo
Today · 4.125%
HK$214,311
baseline
▲ 0.50% · 4.625%
HK$227,352
+HK$13,041/mo
Deposit HK$29.48M · loan HK$44.22M · min. income ≈ HK$428,622/mo (50% DSR)
Upfront cash ≈ HK$32.61M (deposit + AVD stamp duty HK$3,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,350
−HK$12,121/mo
▼ 0.25% · 3.875%
HK$230,367
−HK$6,104/mo
Today · 4.125%
HK$236,471
baseline
▲ 0.50% · 4.625%
HK$248,936
+HK$12,465/mo
Deposit HK$29.48M · loan HK$44.22M · min. income ≈ HK$472,942/mo (50% DSR)
Upfront cash ≈ HK$32.61M (deposit + AVD stamp duty HK$3,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,276
−HK$14,754/mo
▼ 0.25% · 3.875%
HK$242,594
−HK$7,436/mo
Today · 4.125%
HK$250,030
baseline
▲ 0.50% · 4.625%
HK$265,244
+HK$15,214/mo
Deposit HK$22.11M · loan HK$51.59M · min. income ≈ HK$500,060/mo (50% DSR)
Upfront cash ≈ HK$25.24M (deposit + AVD stamp duty HK$3,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,742
−HK$14,141/mo
▼ 0.25% · 3.875%
HK$268,762
−HK$7,121/mo
Today · 4.125%
HK$275,883
baseline
▲ 0.50% · 4.625%
HK$290,425
+HK$14,542/mo
Deposit HK$22.11M · loan HK$51.59M · min. income ≈ HK$551,766/mo (50% DSR)
Upfront cash ≈ HK$25.24M (deposit + AVD stamp duty HK$3,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,498
−HK$18,969/mo
▼ 0.25% · 3.875%
HK$311,907
−HK$9,560/mo
Today · 4.125%
HK$321,467
baseline
▲ 0.50% · 4.625%
HK$341,027
+HK$19,560/mo
Deposit HK$7.37M · loan HK$66.33M · min. income ≈ HK$642,934/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$3,132,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$336,526
−HK$18,181/mo
▼ 0.25% · 3.875%
HK$345,551
−HK$9,156/mo
Today · 4.125%
HK$354,707
baseline
▲ 0.50% · 4.625%
HK$373,404
+HK$18,697/mo
Deposit HK$7.37M · loan HK$66.33M · min. income ≈ HK$709,414/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$3,132,238 · Scale 2, in force from 26 Feb 2026)