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$192,965
−HK$12,101/mo
▼ 0.25% · 3.875%
HK$198,967
−HK$6,099/mo
Today · 4.125%
HK$205,066
baseline
▲ 0.50% · 4.625%
HK$217,544
+HK$12,478/mo
Deposit HK$42.31M · loan HK$42.31M · min. income ≈ HK$410,132/mo (50% DSR)
Upfront cash ≈ HK$45.91M (deposit + AVD stamp duty HK$3,596,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,672
−HK$11,598/mo
▼ 0.25% · 3.875%
HK$220,429
−HK$5,841/mo
Today · 4.125%
HK$226,270
baseline
▲ 0.50% · 4.625%
HK$238,197
+HK$11,927/mo
Deposit HK$42.31M · loan HK$42.31M · min. income ≈ HK$452,540/mo (50% DSR)
Upfront cash ≈ HK$45.91M (deposit + AVD stamp duty HK$3,596,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,558
−HK$14,521/mo
▼ 0.25% · 3.875%
HK$238,761
−HK$7,318/mo
Today · 4.125%
HK$246,079
baseline
▲ 0.50% · 4.625%
HK$261,052
+HK$14,973/mo
Deposit HK$33.85M · loan HK$50.77M · min. income ≈ HK$492,158/mo (50% DSR)
Upfront cash ≈ HK$37.45M (deposit + AVD stamp duty HK$3,596,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,606
−HK$13,918/mo
▼ 0.25% · 3.875%
HK$264,515
−HK$7,009/mo
Today · 4.125%
HK$271,524
baseline
▲ 0.50% · 4.625%
HK$285,836
+HK$14,312/mo
Deposit HK$33.85M · loan HK$50.77M · min. income ≈ HK$543,048/mo (50% DSR)
Upfront cash ≈ HK$37.45M (deposit + AVD stamp duty HK$3,596,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,151
−HK$16,941/mo
▼ 0.25% · 3.875%
HK$278,554
−HK$8,538/mo
Today · 4.125%
HK$287,092
baseline
▲ 0.50% · 4.625%
HK$304,561
+HK$17,469/mo
Deposit HK$25.39M · loan HK$59.24M · min. income ≈ HK$574,184/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$3,596,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,541
−HK$16,237/mo
▼ 0.25% · 3.875%
HK$308,601
−HK$8,177/mo
Today · 4.125%
HK$316,778
baseline
▲ 0.50% · 4.625%
HK$333,476
+HK$16,698/mo
Deposit HK$25.39M · loan HK$59.24M · min. income ≈ HK$633,556/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$3,596,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,337
−HK$21,781/mo
▼ 0.25% · 3.875%
HK$358,141
−HK$10,977/mo
Today · 4.125%
HK$369,118
baseline
▲ 0.50% · 4.625%
HK$391,578
+HK$22,460/mo
Deposit HK$8.46M · loan HK$76.16M · min. income ≈ HK$738,236/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$3,596,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$386,409
−HK$20,877/mo
▼ 0.25% · 3.875%
HK$396,773
−HK$10,513/mo
Today · 4.125%
HK$407,286
baseline
▲ 0.50% · 4.625%
HK$428,754
+HK$21,468/mo
Deposit HK$8.46M · loan HK$76.16M · min. income ≈ HK$814,572/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$3,596,535 · Scale 2, in force from 26 Feb 2026)