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$273,387
−HK$17,144/mo
▼ 0.25% · 3.875%
HK$281,891
−HK$8,640/mo
Today · 4.125%
HK$290,531
baseline
▲ 0.50% · 4.625%
HK$308,209
+HK$17,678/mo
Deposit HK$59.95M · loan HK$59.95M · min. income ≈ HK$581,062/mo (50% DSR)
Upfront cash ≈ HK$67.74M (deposit + AVD stamp duty HK$7,793,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,141
−HK$16,431/mo
▼ 0.25% · 3.875%
HK$312,297
−HK$8,275/mo
Today · 4.125%
HK$320,572
baseline
▲ 0.50% · 4.625%
HK$337,470
+HK$16,898/mo
Deposit HK$59.95M · loan HK$59.95M · min. income ≈ HK$641,144/mo (50% DSR)
Upfront cash ≈ HK$67.74M (deposit + AVD stamp duty HK$7,793,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,065
−HK$20,572/mo
▼ 0.25% · 3.875%
HK$338,269
−HK$10,368/mo
Today · 4.125%
HK$348,637
baseline
▲ 0.50% · 4.625%
HK$369,851
+HK$21,214/mo
Deposit HK$47.96M · loan HK$71.94M · min. income ≈ HK$697,274/mo (50% DSR)
Upfront cash ≈ HK$55.75M (deposit + AVD stamp duty HK$7,793,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$364,969
−HK$19,718/mo
▼ 0.25% · 3.875%
HK$374,757
−HK$9,930/mo
Today · 4.125%
HK$384,687
baseline
▲ 0.50% · 4.625%
HK$404,964
+HK$20,277/mo
Deposit HK$47.96M · loan HK$71.94M · min. income ≈ HK$769,374/mo (50% DSR)
Upfront cash ≈ HK$55.75M (deposit + AVD stamp duty HK$7,793,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$382,742
−HK$24,001/mo
▼ 0.25% · 3.875%
HK$394,648
−HK$12,095/mo
Today · 4.125%
HK$406,743
baseline
▲ 0.50% · 4.625%
HK$431,493
+HK$24,750/mo
Deposit HK$35.97M · loan HK$83.93M · min. income ≈ HK$813,486/mo (50% DSR)
Upfront cash ≈ HK$43.76M (deposit + AVD stamp duty HK$7,793,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$425,797
−HK$23,004/mo
▼ 0.25% · 3.875%
HK$437,216
−HK$11,585/mo
Today · 4.125%
HK$448,801
baseline
▲ 0.50% · 4.625%
HK$472,458
+HK$23,657/mo
Deposit HK$35.97M · loan HK$83.93M · min. income ≈ HK$897,602/mo (50% DSR)
Upfront cash ≈ HK$43.76M (deposit + AVD stamp duty HK$7,793,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$492,097
−HK$30,859/mo
▼ 0.25% · 3.875%
HK$507,404
−HK$15,552/mo
Today · 4.125%
HK$522,956
baseline
▲ 0.50% · 4.625%
HK$554,776
+HK$31,820/mo
Deposit HK$11.99M · loan HK$107.90M · min. income ≈ HK$1,045,912/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$7,793,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$547,453
−HK$29,577/mo
▼ 0.25% · 3.875%
HK$562,135
−HK$14,895/mo
Today · 4.125%
HK$577,030
baseline
▲ 0.50% · 4.625%
HK$607,446
+HK$30,416/mo
Deposit HK$11.99M · loan HK$107.90M · min. income ≈ HK$1,154,060/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$7,793,058 · Scale 2, in force from 26 Feb 2026)