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$129,440
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$133,466
−HK$4,091/mo
Today · 4.125%
HK$137,557
baseline
▲ 0.50% · 4.625%
HK$145,927
+HK$8,370/mo
Deposit HK$28.38M · loan HK$28.38M · min. income ≈ HK$275,114/mo (50% DSR)
Upfront cash ≈ HK$30.80M (deposit + AVD stamp duty HK$2,412,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,001
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$147,863
−HK$3,918/mo
Today · 4.125%
HK$151,781
baseline
▲ 0.50% · 4.625%
HK$159,781
+HK$8,000/mo
Deposit HK$28.38M · loan HK$28.38M · min. income ≈ HK$303,562/mo (50% DSR)
Upfront cash ≈ HK$30.80M (deposit + AVD stamp duty HK$2,412,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,328
−HK$9,741/mo
▼ 0.25% · 3.875%
HK$160,160
−HK$4,909/mo
Today · 4.125%
HK$165,069
baseline
▲ 0.50% · 4.625%
HK$175,113
+HK$10,044/mo
Deposit HK$22.71M · loan HK$34.06M · min. income ≈ HK$330,138/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$2,412,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,801
−HK$9,336/mo
▼ 0.25% · 3.875%
HK$177,435
−HK$4,702/mo
Today · 4.125%
HK$182,137
baseline
▲ 0.50% · 4.625%
HK$191,738
+HK$9,601/mo
Deposit HK$22.71M · loan HK$34.06M · min. income ≈ HK$364,274/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$2,412,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,216
−HK$11,364/mo
▼ 0.25% · 3.875%
HK$186,853
−HK$5,727/mo
Today · 4.125%
HK$192,580
baseline
▲ 0.50% · 4.625%
HK$204,298
+HK$11,718/mo
Deposit HK$17.03M · loan HK$39.74M · min. income ≈ HK$385,160/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$2,412,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,601
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$207,008
−HK$5,485/mo
Today · 4.125%
HK$212,493
baseline
▲ 0.50% · 4.625%
HK$223,694
+HK$11,201/mo
Deposit HK$17.03M · loan HK$39.74M · min. income ≈ HK$424,986/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$2,412,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,992
−HK$14,611/mo
▼ 0.25% · 3.875%
HK$240,240
−HK$7,363/mo
Today · 4.125%
HK$247,603
baseline
▲ 0.50% · 4.625%
HK$262,669
+HK$15,066/mo
Deposit HK$5.68M · loan HK$51.09M · min. income ≈ HK$495,206/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,412,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,201
−HK$14,004/mo
▼ 0.25% · 3.875%
HK$266,153
−HK$7,052/mo
Today · 4.125%
HK$273,205
baseline
▲ 0.50% · 4.625%
HK$287,606
+HK$14,401/mo
Deposit HK$5.68M · loan HK$51.09M · min. income ≈ HK$546,410/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,412,538 · Scale 2, in force from 26 Feb 2026)