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$173,357
−HK$10,871/mo
▼ 0.25% · 3.875%
HK$178,750
−HK$5,478/mo
Today · 4.125%
HK$184,228
baseline
▲ 0.50% · 4.625%
HK$195,438
+HK$11,210/mo
Deposit HK$38.01M · loan HK$38.01M · min. income ≈ HK$368,456/mo (50% DSR)
Upfront cash ≈ HK$41.24M (deposit + AVD stamp duty HK$3,231,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,858
−HK$10,420/mo
▼ 0.25% · 3.875%
HK$198,031
−HK$5,247/mo
Today · 4.125%
HK$203,278
baseline
▲ 0.50% · 4.625%
HK$213,993
+HK$10,715/mo
Deposit HK$38.01M · loan HK$38.01M · min. income ≈ HK$406,556/mo (50% DSR)
Upfront cash ≈ HK$41.24M (deposit + AVD stamp duty HK$3,231,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,029
−HK$13,045/mo
▼ 0.25% · 3.875%
HK$214,500
−HK$6,574/mo
Today · 4.125%
HK$221,074
baseline
▲ 0.50% · 4.625%
HK$234,526
+HK$13,452/mo
Deposit HK$30.41M · loan HK$45.62M · min. income ≈ HK$442,148/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$3,231,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,430
−HK$12,503/mo
▼ 0.25% · 3.875%
HK$237,637
−HK$6,296/mo
Today · 4.125%
HK$243,933
baseline
▲ 0.50% · 4.625%
HK$256,792
+HK$12,859/mo
Deposit HK$30.41M · loan HK$45.62M · min. income ≈ HK$487,866/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$3,231,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,700
−HK$15,220/mo
▼ 0.25% · 3.875%
HK$250,250
−HK$7,670/mo
Today · 4.125%
HK$257,920
baseline
▲ 0.50% · 4.625%
HK$273,614
+HK$15,694/mo
Deposit HK$22.81M · loan HK$53.22M · min. income ≈ HK$515,840/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$3,231,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,002
−HK$14,587/mo
▼ 0.25% · 3.875%
HK$277,243
−HK$7,346/mo
Today · 4.125%
HK$284,589
baseline
▲ 0.50% · 4.625%
HK$299,590
+HK$15,001/mo
Deposit HK$22.81M · loan HK$53.22M · min. income ≈ HK$569,178/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$3,231,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,043
−HK$19,568/mo
▼ 0.25% · 3.875%
HK$321,750
−HK$9,861/mo
Today · 4.125%
HK$331,611
baseline
▲ 0.50% · 4.625%
HK$351,789
+HK$20,178/mo
Deposit HK$7.60M · loan HK$68.42M · min. income ≈ HK$663,222/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$3,231,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,145
−HK$18,755/mo
▼ 0.25% · 3.875%
HK$356,455
−HK$9,445/mo
Today · 4.125%
HK$365,900
baseline
▲ 0.50% · 4.625%
HK$385,187
+HK$19,287/mo
Deposit HK$7.60M · loan HK$68.42M · min. income ≈ HK$731,800/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$3,231,079 · Scale 2, in force from 26 Feb 2026)