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$192,908
−HK$12,097/mo
▼ 0.25% · 3.875%
HK$198,909
−HK$6,096/mo
Today · 4.125%
HK$205,005
baseline
▲ 0.50% · 4.625%
HK$217,479
+HK$12,474/mo
Deposit HK$42.30M · loan HK$42.30M · min. income ≈ HK$410,010/mo (50% DSR)
Upfront cash ≈ HK$45.90M (deposit + AVD stamp duty HK$3,595,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,609
−HK$11,594/mo
▼ 0.25% · 3.875%
HK$220,364
−HK$5,839/mo
Today · 4.125%
HK$226,203
baseline
▲ 0.50% · 4.625%
HK$238,127
+HK$11,924/mo
Deposit HK$42.30M · loan HK$42.30M · min. income ≈ HK$452,406/mo (50% DSR)
Upfront cash ≈ HK$45.90M (deposit + AVD stamp duty HK$3,595,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,490
−HK$14,516/mo
▼ 0.25% · 3.875%
HK$238,691
−HK$7,315/mo
Today · 4.125%
HK$246,006
baseline
▲ 0.50% · 4.625%
HK$260,975
+HK$14,969/mo
Deposit HK$33.84M · loan HK$50.76M · min. income ≈ HK$492,012/mo (50% DSR)
Upfront cash ≈ HK$37.44M (deposit + AVD stamp duty HK$3,595,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,530
−HK$13,914/mo
▼ 0.25% · 3.875%
HK$264,437
−HK$7,007/mo
Today · 4.125%
HK$271,444
baseline
▲ 0.50% · 4.625%
HK$285,752
+HK$14,308/mo
Deposit HK$33.84M · loan HK$50.76M · min. income ≈ HK$542,888/mo (50% DSR)
Upfront cash ≈ HK$37.44M (deposit + AVD stamp duty HK$3,595,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,072
−HK$16,936/mo
▼ 0.25% · 3.875%
HK$278,472
−HK$8,536/mo
Today · 4.125%
HK$287,008
baseline
▲ 0.50% · 4.625%
HK$304,471
+HK$17,463/mo
Deposit HK$25.38M · loan HK$59.22M · min. income ≈ HK$574,016/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$3,595,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,452
−HK$16,233/mo
▼ 0.25% · 3.875%
HK$308,510
−HK$8,175/mo
Today · 4.125%
HK$316,685
baseline
▲ 0.50% · 4.625%
HK$333,377
+HK$16,692/mo
Deposit HK$25.38M · loan HK$59.22M · min. income ≈ HK$633,370/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$3,595,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,235
−HK$21,775/mo
▼ 0.25% · 3.875%
HK$358,036
−HK$10,974/mo
Today · 4.125%
HK$369,010
baseline
▲ 0.50% · 4.625%
HK$391,463
+HK$22,453/mo
Deposit HK$8.46M · loan HK$76.14M · min. income ≈ HK$738,020/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$3,595,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$386,295
−HK$20,871/mo
▼ 0.25% · 3.875%
HK$396,656
−HK$10,510/mo
Today · 4.125%
HK$407,166
baseline
▲ 0.50% · 4.625%
HK$428,628
+HK$21,462/mo
Deposit HK$8.46M · loan HK$76.14M · min. income ≈ HK$814,332/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$3,595,475 · Scale 2, in force from 26 Feb 2026)