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$145,273
−HK$9,110/mo
▼ 0.25% · 3.875%
HK$149,792
−HK$4,591/mo
Today · 4.125%
HK$154,383
baseline
▲ 0.50% · 4.625%
HK$163,777
+HK$9,394/mo
Deposit HK$31.85M · loan HK$31.85M · min. income ≈ HK$308,766/mo (50% DSR)
Upfront cash ≈ HK$34.56M (deposit + AVD stamp duty HK$2,707,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,615
−HK$8,732/mo
▼ 0.25% · 3.875%
HK$165,950
−HK$4,397/mo
Today · 4.125%
HK$170,347
baseline
▲ 0.50% · 4.625%
HK$179,326
+HK$8,979/mo
Deposit HK$31.85M · loan HK$31.85M · min. income ≈ HK$340,694/mo (50% DSR)
Upfront cash ≈ HK$34.56M (deposit + AVD stamp duty HK$2,707,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,328
−HK$10,932/mo
▼ 0.25% · 3.875%
HK$179,751
−HK$5,509/mo
Today · 4.125%
HK$185,260
baseline
▲ 0.50% · 4.625%
HK$196,533
+HK$11,273/mo
Deposit HK$25.48M · loan HK$38.23M · min. income ≈ HK$370,520/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,707,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,938
−HK$10,478/mo
▼ 0.25% · 3.875%
HK$199,140
−HK$5,276/mo
Today · 4.125%
HK$204,416
baseline
▲ 0.50% · 4.625%
HK$215,191
+HK$10,775/mo
Deposit HK$25.48M · loan HK$38.23M · min. income ≈ HK$408,832/mo (50% DSR)
Upfront cash ≈ HK$28.19M (deposit + AVD stamp duty HK$2,707,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,383
−HK$12,754/mo
▼ 0.25% · 3.875%
HK$209,709
−HK$6,428/mo
Today · 4.125%
HK$216,137
baseline
▲ 0.50% · 4.625%
HK$229,288
+HK$13,151/mo
Deposit HK$19.11M · loan HK$44.60M · min. income ≈ HK$432,274/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,707,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,261
−HK$12,224/mo
▼ 0.25% · 3.875%
HK$232,329
−HK$6,156/mo
Today · 4.125%
HK$238,485
baseline
▲ 0.50% · 4.625%
HK$251,056
+HK$12,571/mo
Deposit HK$19.11M · loan HK$44.60M · min. income ≈ HK$476,970/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$2,707,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,492
−HK$16,398/mo
▼ 0.25% · 3.875%
HK$269,626
−HK$8,264/mo
Today · 4.125%
HK$277,890
baseline
▲ 0.50% · 4.625%
HK$294,799
+HK$16,909/mo
Deposit HK$6.37M · loan HK$57.34M · min. income ≈ HK$555,780/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,707,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,907
−HK$15,717/mo
▼ 0.25% · 3.875%
HK$298,709
−HK$7,915/mo
Today · 4.125%
HK$306,624
baseline
▲ 0.50% · 4.625%
HK$322,787
+HK$16,163/mo
Deposit HK$6.37M · loan HK$57.34M · min. income ≈ HK$613,248/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,707,643 · Scale 2, in force from 26 Feb 2026)