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$176,765
−HK$11,085/mo
▼ 0.25% · 3.875%
HK$182,264
−HK$5,586/mo
Today · 4.125%
HK$187,850
baseline
▲ 0.50% · 4.625%
HK$199,280
+HK$11,430/mo
Deposit HK$38.76M · loan HK$38.76M · min. income ≈ HK$375,700/mo (50% DSR)
Upfront cash ≈ HK$42.05M (deposit + AVD stamp duty HK$3,294,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,650
−HK$10,624/mo
▼ 0.25% · 3.875%
HK$201,924
−HK$5,350/mo
Today · 4.125%
HK$207,274
baseline
▲ 0.50% · 4.625%
HK$218,200
+HK$10,926/mo
Deposit HK$38.76M · loan HK$38.76M · min. income ≈ HK$414,548/mo (50% DSR)
Upfront cash ≈ HK$42.05M (deposit + AVD stamp duty HK$3,294,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,119
−HK$13,301/mo
▼ 0.25% · 3.875%
HK$218,717
−HK$6,703/mo
Today · 4.125%
HK$225,420
baseline
▲ 0.50% · 4.625%
HK$239,137
+HK$13,717/mo
Deposit HK$31.01M · loan HK$46.51M · min. income ≈ HK$450,840/mo (50% DSR)
Upfront cash ≈ HK$34.30M (deposit + AVD stamp duty HK$3,294,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,980
−HK$12,749/mo
▼ 0.25% · 3.875%
HK$242,309
−HK$6,420/mo
Today · 4.125%
HK$248,729
baseline
▲ 0.50% · 4.625%
HK$261,840
+HK$13,111/mo
Deposit HK$31.01M · loan HK$46.51M · min. income ≈ HK$497,458/mo (50% DSR)
Upfront cash ≈ HK$34.30M (deposit + AVD stamp duty HK$3,294,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,472
−HK$15,518/mo
▼ 0.25% · 3.875%
HK$255,169
−HK$7,821/mo
Today · 4.125%
HK$262,990
baseline
▲ 0.50% · 4.625%
HK$278,993
+HK$16,003/mo
Deposit HK$23.26M · loan HK$54.26M · min. income ≈ HK$525,980/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$3,294,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,310
−HK$14,874/mo
▼ 0.25% · 3.875%
HK$282,693
−HK$7,491/mo
Today · 4.125%
HK$290,184
baseline
▲ 0.50% · 4.625%
HK$305,480
+HK$15,296/mo
Deposit HK$23.26M · loan HK$54.26M · min. income ≈ HK$580,368/mo (50% DSR)
Upfront cash ≈ HK$26.55M (deposit + AVD stamp duty HK$3,294,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,178
−HK$19,952/mo
▼ 0.25% · 3.875%
HK$328,075
−HK$10,055/mo
Today · 4.125%
HK$338,130
baseline
▲ 0.50% · 4.625%
HK$358,705
+HK$20,575/mo
Deposit HK$7.75M · loan HK$69.77M · min. income ≈ HK$676,260/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$3,294,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,970
−HK$19,124/mo
▼ 0.25% · 3.875%
HK$363,463
−HK$9,631/mo
Today · 4.125%
HK$373,094
baseline
▲ 0.50% · 4.625%
HK$392,760
+HK$19,666/mo
Deposit HK$7.75M · loan HK$69.77M · min. income ≈ HK$746,188/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$3,294,601 · Scale 2, in force from 26 Feb 2026)