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$144,603
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$149,101
−HK$4,570/mo
Today · 4.125%
HK$153,671
baseline
▲ 0.50% · 4.625%
HK$163,021
+HK$9,350/mo
Deposit HK$31.71M · loan HK$31.71M · min. income ≈ HK$307,342/mo (50% DSR)
Upfront cash ≈ HK$34.40M (deposit + AVD stamp duty HK$2,695,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,869
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$165,184
−HK$4,377/mo
Today · 4.125%
HK$169,561
baseline
▲ 0.50% · 4.625%
HK$178,498
+HK$8,937/mo
Deposit HK$31.71M · loan HK$31.71M · min. income ≈ HK$339,122/mo (50% DSR)
Upfront cash ≈ HK$34.40M (deposit + AVD stamp duty HK$2,695,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,523
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$178,921
−HK$5,484/mo
Today · 4.125%
HK$184,405
baseline
▲ 0.50% · 4.625%
HK$195,626
+HK$11,221/mo
Deposit HK$25.37M · loan HK$38.05M · min. income ≈ HK$368,810/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,695,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,043
−HK$10,430/mo
▼ 0.25% · 3.875%
HK$198,220
−HK$5,253/mo
Today · 4.125%
HK$203,473
baseline
▲ 0.50% · 4.625%
HK$214,198
+HK$10,725/mo
Deposit HK$25.37M · loan HK$38.05M · min. income ≈ HK$406,946/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,695,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,444
−HK$12,695/mo
▼ 0.25% · 3.875%
HK$208,741
−HK$6,398/mo
Today · 4.125%
HK$215,139
baseline
▲ 0.50% · 4.625%
HK$228,230
+HK$13,091/mo
Deposit HK$19.02M · loan HK$44.39M · min. income ≈ HK$430,278/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,695,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,217
−HK$12,168/mo
▼ 0.25% · 3.875%
HK$231,257
−HK$6,128/mo
Today · 4.125%
HK$237,385
baseline
▲ 0.50% · 4.625%
HK$249,898
+HK$12,513/mo
Deposit HK$19.02M · loan HK$44.39M · min. income ≈ HK$474,770/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,695,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,285
−HK$16,322/mo
▼ 0.25% · 3.875%
HK$268,382
−HK$8,225/mo
Today · 4.125%
HK$276,607
baseline
▲ 0.50% · 4.625%
HK$293,438
+HK$16,831/mo
Deposit HK$6.34M · loan HK$57.07M · min. income ≈ HK$553,214/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,695,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,565
−HK$15,644/mo
▼ 0.25% · 3.875%
HK$297,331
−HK$7,878/mo
Today · 4.125%
HK$305,209
baseline
▲ 0.50% · 4.625%
HK$321,297
+HK$16,088/mo
Deposit HK$6.34M · loan HK$57.07M · min. income ≈ HK$610,418/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,695,146 · Scale 2, in force from 26 Feb 2026)