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$155,895
−HK$9,776/mo
▼ 0.25% · 3.875%
HK$160,744
−HK$4,927/mo
Today · 4.125%
HK$165,671
baseline
▲ 0.50% · 4.625%
HK$175,752
+HK$10,081/mo
Deposit HK$34.18M · loan HK$34.18M · min. income ≈ HK$331,342/mo (50% DSR)
Upfront cash ≈ HK$37.09M (deposit + AVD stamp duty HK$2,905,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,432
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$178,083
−HK$4,719/mo
Today · 4.125%
HK$182,802
baseline
▲ 0.50% · 4.625%
HK$192,437
+HK$9,635/mo
Deposit HK$34.18M · loan HK$34.18M · min. income ≈ HK$365,604/mo (50% DSR)
Upfront cash ≈ HK$37.09M (deposit + AVD stamp duty HK$2,905,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,074
−HK$11,731/mo
▼ 0.25% · 3.875%
HK$192,893
−HK$5,912/mo
Today · 4.125%
HK$198,805
baseline
▲ 0.50% · 4.625%
HK$210,902
+HK$12,097/mo
Deposit HK$27.35M · loan HK$41.02M · min. income ≈ HK$397,610/mo (50% DSR)
Upfront cash ≈ HK$30.25M (deposit + AVD stamp duty HK$2,905,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,118
−HK$11,244/mo
▼ 0.25% · 3.875%
HK$213,700
−HK$5,662/mo
Today · 4.125%
HK$219,362
baseline
▲ 0.50% · 4.625%
HK$230,925
+HK$11,563/mo
Deposit HK$27.35M · loan HK$41.02M · min. income ≈ HK$438,724/mo (50% DSR)
Upfront cash ≈ HK$30.25M (deposit + AVD stamp duty HK$2,905,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,253
−HK$13,686/mo
▼ 0.25% · 3.875%
HK$225,042
−HK$6,897/mo
Today · 4.125%
HK$231,939
baseline
▲ 0.50% · 4.625%
HK$246,052
+HK$14,113/mo
Deposit HK$20.51M · loan HK$47.86M · min. income ≈ HK$463,878/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,905,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,804
−HK$13,118/mo
▼ 0.25% · 3.875%
HK$249,316
−HK$6,606/mo
Today · 4.125%
HK$255,922
baseline
▲ 0.50% · 4.625%
HK$269,412
+HK$13,490/mo
Deposit HK$20.51M · loan HK$47.86M · min. income ≈ HK$511,844/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,905,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,611
−HK$17,597/mo
▼ 0.25% · 3.875%
HK$289,340
−HK$8,868/mo
Today · 4.125%
HK$298,208
baseline
▲ 0.50% · 4.625%
HK$316,353
+HK$18,145/mo
Deposit HK$6.84M · loan HK$61.53M · min. income ≈ HK$596,416/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$2,905,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,177
−HK$16,866/mo
▼ 0.25% · 3.875%
HK$320,549
−HK$8,494/mo
Today · 4.125%
HK$329,043
baseline
▲ 0.50% · 4.625%
HK$346,387
+HK$17,344/mo
Deposit HK$6.84M · loan HK$61.53M · min. income ≈ HK$658,086/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$2,905,611 · Scale 2, in force from 26 Feb 2026)