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$202,968
−HK$12,728/mo
▼ 0.25% · 3.875%
HK$209,281
−HK$6,415/mo
Today · 4.125%
HK$215,696
baseline
▲ 0.50% · 4.625%
HK$228,820
+HK$13,124/mo
Deposit HK$44.51M · loan HK$44.51M · min. income ≈ HK$431,392/mo (50% DSR)
Upfront cash ≈ HK$48.29M (deposit + AVD stamp duty HK$3,782,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,799
−HK$12,200/mo
▼ 0.25% · 3.875%
HK$231,855
−HK$6,144/mo
Today · 4.125%
HK$237,999
baseline
▲ 0.50% · 4.625%
HK$250,544
+HK$12,545/mo
Deposit HK$44.51M · loan HK$44.51M · min. income ≈ HK$475,998/mo (50% DSR)
Upfront cash ≈ HK$48.29M (deposit + AVD stamp duty HK$3,782,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,561
−HK$15,274/mo
▼ 0.25% · 3.875%
HK$251,137
−HK$7,698/mo
Today · 4.125%
HK$258,835
baseline
▲ 0.50% · 4.625%
HK$274,584
+HK$15,749/mo
Deposit HK$35.60M · loan HK$53.41M · min. income ≈ HK$517,670/mo (50% DSR)
Upfront cash ≈ HK$39.39M (deposit + AVD stamp duty HK$3,782,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,959
−HK$14,639/mo
▼ 0.25% · 3.875%
HK$278,226
−HK$7,372/mo
Today · 4.125%
HK$285,598
baseline
▲ 0.50% · 4.625%
HK$300,653
+HK$15,055/mo
Deposit HK$35.60M · loan HK$53.41M · min. income ≈ HK$571,196/mo (50% DSR)
Upfront cash ≈ HK$39.39M (deposit + AVD stamp duty HK$3,782,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,155
−HK$17,819/mo
▼ 0.25% · 3.875%
HK$292,994
−HK$8,980/mo
Today · 4.125%
HK$301,974
baseline
▲ 0.50% · 4.625%
HK$320,348
+HK$18,374/mo
Deposit HK$26.70M · loan HK$62.31M · min. income ≈ HK$603,948/mo (50% DSR)
Upfront cash ≈ HK$30.49M (deposit + AVD stamp duty HK$3,782,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,119
−HK$17,079/mo
▼ 0.25% · 3.875%
HK$324,597
−HK$8,601/mo
Today · 4.125%
HK$333,198
baseline
▲ 0.50% · 4.625%
HK$350,762
+HK$17,564/mo
Deposit HK$26.70M · loan HK$62.31M · min. income ≈ HK$666,396/mo (50% DSR)
Upfront cash ≈ HK$30.49M (deposit + AVD stamp duty HK$3,782,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,342
−HK$22,910/mo
▼ 0.25% · 3.875%
HK$376,706
−HK$11,546/mo
Today · 4.125%
HK$388,252
baseline
▲ 0.50% · 4.625%
HK$411,876
+HK$23,624/mo
Deposit HK$8.90M · loan HK$80.11M · min. income ≈ HK$776,504/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$3,782,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$406,439
−HK$21,959/mo
▼ 0.25% · 3.875%
HK$417,340
−HK$11,058/mo
Today · 4.125%
HK$428,398
baseline
▲ 0.50% · 4.625%
HK$450,979
+HK$22,581/mo
Deposit HK$8.90M · loan HK$80.11M · min. income ≈ HK$856,796/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$3,782,963 · Scale 2, in force from 26 Feb 2026)