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$180,581
−HK$11,324/mo
▼ 0.25% · 3.875%
HK$186,198
−HK$5,707/mo
Today · 4.125%
HK$191,905
baseline
▲ 0.50% · 4.625%
HK$203,582
+HK$11,677/mo
Deposit HK$39.60M · loan HK$39.60M · min. income ≈ HK$383,810/mo (50% DSR)
Upfront cash ≈ HK$42.96M (deposit + AVD stamp duty HK$3,365,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,894
−HK$10,854/mo
▼ 0.25% · 3.875%
HK$206,282
−HK$5,466/mo
Today · 4.125%
HK$211,748
baseline
▲ 0.50% · 4.625%
HK$222,910
+HK$11,162/mo
Deposit HK$39.60M · loan HK$39.60M · min. income ≈ HK$423,496/mo (50% DSR)
Upfront cash ≈ HK$42.96M (deposit + AVD stamp duty HK$3,365,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,697
−HK$13,589/mo
▼ 0.25% · 3.875%
HK$223,437
−HK$6,849/mo
Today · 4.125%
HK$230,286
baseline
▲ 0.50% · 4.625%
HK$244,298
+HK$14,012/mo
Deposit HK$31.68M · loan HK$47.52M · min. income ≈ HK$460,572/mo (50% DSR)
Upfront cash ≈ HK$35.04M (deposit + AVD stamp duty HK$3,365,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,073
−HK$13,025/mo
▼ 0.25% · 3.875%
HK$247,539
−HK$6,559/mo
Today · 4.125%
HK$254,098
baseline
▲ 0.50% · 4.625%
HK$267,491
+HK$13,393/mo
Deposit HK$31.68M · loan HK$47.52M · min. income ≈ HK$508,196/mo (50% DSR)
Upfront cash ≈ HK$35.04M (deposit + AVD stamp duty HK$3,365,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,813
−HK$15,854/mo
▼ 0.25% · 3.875%
HK$260,677
−HK$7,990/mo
Today · 4.125%
HK$268,667
baseline
▲ 0.50% · 4.625%
HK$285,014
+HK$16,347/mo
Deposit HK$23.76M · loan HK$55.44M · min. income ≈ HK$537,334/mo (50% DSR)
Upfront cash ≈ HK$27.12M (deposit + AVD stamp duty HK$3,365,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,252
−HK$15,195/mo
▼ 0.25% · 3.875%
HK$288,795
−HK$7,652/mo
Today · 4.125%
HK$296,447
baseline
▲ 0.50% · 4.625%
HK$312,073
+HK$15,626/mo
Deposit HK$23.76M · loan HK$55.44M · min. income ≈ HK$592,894/mo (50% DSR)
Upfront cash ≈ HK$27.12M (deposit + AVD stamp duty HK$3,365,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,045
−HK$20,384/mo
▼ 0.25% · 3.875%
HK$335,156
−HK$10,273/mo
Today · 4.125%
HK$345,429
baseline
▲ 0.50% · 4.625%
HK$366,447
+HK$21,018/mo
Deposit HK$7.92M · loan HK$71.27M · min. income ≈ HK$690,858/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$3,365,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,610
−HK$19,536/mo
▼ 0.25% · 3.875%
HK$371,308
−HK$9,838/mo
Today · 4.125%
HK$381,146
baseline
▲ 0.50% · 4.625%
HK$401,237
+HK$20,091/mo
Deposit HK$7.92M · loan HK$71.27M · min. income ≈ HK$762,292/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$3,365,711 · Scale 2, in force from 26 Feb 2026)