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$130,140
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$134,189
−HK$4,112/mo
Today · 4.125%
HK$138,301
baseline
▲ 0.50% · 4.625%
HK$146,717
+HK$8,416/mo
Deposit HK$28.54M · loan HK$28.54M · min. income ≈ HK$276,602/mo (50% DSR)
Upfront cash ≈ HK$30.96M (deposit + AVD stamp duty HK$2,425,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,780
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,663
−HK$3,939/mo
Today · 4.125%
HK$152,602
baseline
▲ 0.50% · 4.625%
HK$160,646
+HK$8,044/mo
Deposit HK$28.54M · loan HK$28.54M · min. income ≈ HK$305,204/mo (50% DSR)
Upfront cash ≈ HK$30.96M (deposit + AVD stamp duty HK$2,425,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,169
−HK$9,793/mo
▼ 0.25% · 3.875%
HK$161,026
−HK$4,936/mo
Today · 4.125%
HK$165,962
baseline
▲ 0.50% · 4.625%
HK$176,060
+HK$10,098/mo
Deposit HK$22.83M · loan HK$34.24M · min. income ≈ HK$331,924/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$2,425,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,736
−HK$9,386/mo
▼ 0.25% · 3.875%
HK$178,395
−HK$4,727/mo
Today · 4.125%
HK$183,122
baseline
▲ 0.50% · 4.625%
HK$192,775
+HK$9,653/mo
Deposit HK$22.83M · loan HK$34.24M · min. income ≈ HK$366,244/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$2,425,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,197
−HK$11,425/mo
▼ 0.25% · 3.875%
HK$187,864
−HK$5,758/mo
Today · 4.125%
HK$193,622
baseline
▲ 0.50% · 4.625%
HK$205,403
+HK$11,781/mo
Deposit HK$17.12M · loan HK$39.95M · min. income ≈ HK$387,244/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$2,425,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,692
−HK$10,951/mo
▼ 0.25% · 3.875%
HK$208,128
−HK$5,515/mo
Today · 4.125%
HK$213,643
baseline
▲ 0.50% · 4.625%
HK$224,904
+HK$11,261/mo
Deposit HK$17.12M · loan HK$39.95M · min. income ≈ HK$427,286/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$2,425,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,253
−HK$14,690/mo
▼ 0.25% · 3.875%
HK$241,539
−HK$7,404/mo
Today · 4.125%
HK$248,943
baseline
▲ 0.50% · 4.625%
HK$264,090
+HK$15,147/mo
Deposit HK$5.71M · loan HK$51.37M · min. income ≈ HK$497,886/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$2,425,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,604
−HK$14,080/mo
▼ 0.25% · 3.875%
HK$267,593
−HK$7,091/mo
Today · 4.125%
HK$274,684
baseline
▲ 0.50% · 4.625%
HK$289,162
+HK$14,478/mo
Deposit HK$5.71M · loan HK$51.37M · min. income ≈ HK$549,368/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$2,425,592 · Scale 2, in force from 26 Feb 2026)