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$193,853
−HK$12,157/mo
▼ 0.25% · 3.875%
HK$199,883
−HK$6,127/mo
Today · 4.125%
HK$206,010
baseline
▲ 0.50% · 4.625%
HK$218,545
+HK$12,535/mo
Deposit HK$42.51M · loan HK$42.51M · min. income ≈ HK$412,020/mo (50% DSR)
Upfront cash ≈ HK$46.12M (deposit + AVD stamp duty HK$3,613,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,660
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$221,444
−HK$5,867/mo
Today · 4.125%
HK$227,311
baseline
▲ 0.50% · 4.625%
HK$239,293
+HK$11,982/mo
Deposit HK$42.51M · loan HK$42.51M · min. income ≈ HK$454,622/mo (50% DSR)
Upfront cash ≈ HK$46.12M (deposit + AVD stamp duty HK$3,613,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,624
−HK$14,587/mo
▼ 0.25% · 3.875%
HK$239,860
−HK$7,351/mo
Today · 4.125%
HK$247,211
baseline
▲ 0.50% · 4.625%
HK$262,254
+HK$15,043/mo
Deposit HK$34.01M · loan HK$51.01M · min. income ≈ HK$494,422/mo (50% DSR)
Upfront cash ≈ HK$37.62M (deposit + AVD stamp duty HK$3,613,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,792
−HK$13,981/mo
▼ 0.25% · 3.875%
HK$265,732
−HK$7,041/mo
Today · 4.125%
HK$272,773
baseline
▲ 0.50% · 4.625%
HK$287,152
+HK$14,379/mo
Deposit HK$34.01M · loan HK$51.01M · min. income ≈ HK$545,546/mo (50% DSR)
Upfront cash ≈ HK$37.62M (deposit + AVD stamp duty HK$3,613,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,395
−HK$17,018/mo
▼ 0.25% · 3.875%
HK$279,836
−HK$8,577/mo
Today · 4.125%
HK$288,413
baseline
▲ 0.50% · 4.625%
HK$305,963
+HK$17,550/mo
Deposit HK$25.50M · loan HK$59.51M · min. income ≈ HK$576,826/mo (50% DSR)
Upfront cash ≈ HK$29.12M (deposit + AVD stamp duty HK$3,613,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,924
−HK$16,312/mo
▼ 0.25% · 3.875%
HK$310,021
−HK$8,215/mo
Today · 4.125%
HK$318,236
baseline
▲ 0.50% · 4.625%
HK$335,010
+HK$16,774/mo
Deposit HK$25.50M · loan HK$59.51M · min. income ≈ HK$636,472/mo (50% DSR)
Upfront cash ≈ HK$29.12M (deposit + AVD stamp duty HK$3,613,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,936
−HK$21,881/mo
▼ 0.25% · 3.875%
HK$359,790
−HK$11,027/mo
Today · 4.125%
HK$370,817
baseline
▲ 0.50% · 4.625%
HK$393,381
+HK$22,564/mo
Deposit HK$8.50M · loan HK$76.51M · min. income ≈ HK$741,634/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$3,613,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$388,188
−HK$20,972/mo
▼ 0.25% · 3.875%
HK$398,599
−HK$10,561/mo
Today · 4.125%
HK$409,160
baseline
▲ 0.50% · 4.625%
HK$430,728
+HK$21,568/mo
Deposit HK$8.50M · loan HK$76.51M · min. income ≈ HK$818,320/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$3,613,087 · Scale 2, in force from 26 Feb 2026)