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$134,654
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$138,843
−HK$4,255/mo
Today · 4.125%
HK$143,098
baseline
▲ 0.50% · 4.625%
HK$151,805
+HK$8,707/mo
Deposit HK$29.53M · loan HK$29.53M · min. income ≈ HK$286,196/mo (50% DSR)
Upfront cash ≈ HK$32.04M (deposit + AVD stamp duty HK$2,509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,801
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,819
−HK$4,076/mo
Today · 4.125%
HK$157,895
baseline
▲ 0.50% · 4.625%
HK$166,217
+HK$8,322/mo
Deposit HK$29.53M · loan HK$29.53M · min. income ≈ HK$315,790/mo (50% DSR)
Upfront cash ≈ HK$32.04M (deposit + AVD stamp duty HK$2,509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,585
−HK$10,133/mo
▼ 0.25% · 3.875%
HK$166,611
−HK$5,107/mo
Today · 4.125%
HK$171,718
baseline
▲ 0.50% · 4.625%
HK$182,166
+HK$10,448/mo
Deposit HK$23.62M · loan HK$35.43M · min. income ≈ HK$343,436/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$2,509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,761
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$184,583
−HK$4,890/mo
Today · 4.125%
HK$189,473
baseline
▲ 0.50% · 4.625%
HK$199,461
+HK$9,988/mo
Deposit HK$23.62M · loan HK$35.43M · min. income ≈ HK$378,946/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$2,509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,516
−HK$11,821/mo
▼ 0.25% · 3.875%
HK$194,380
−HK$5,957/mo
Today · 4.125%
HK$200,337
baseline
▲ 0.50% · 4.625%
HK$212,527
+HK$12,190/mo
Deposit HK$17.72M · loan HK$41.34M · min. income ≈ HK$400,674/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$2,509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,722
−HK$11,330/mo
▼ 0.25% · 3.875%
HK$215,346
−HK$5,706/mo
Today · 4.125%
HK$221,052
baseline
▲ 0.50% · 4.625%
HK$232,704
+HK$11,652/mo
Deposit HK$17.72M · loan HK$41.34M · min. income ≈ HK$442,104/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$2,509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,377
−HK$15,199/mo
▼ 0.25% · 3.875%
HK$249,917
−HK$7,659/mo
Today · 4.125%
HK$257,576
baseline
▲ 0.50% · 4.625%
HK$273,249
+HK$15,673/mo
Deposit HK$5.91M · loan HK$53.15M · min. income ≈ HK$515,152/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,509,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,642
−HK$14,568/mo
▼ 0.25% · 3.875%
HK$276,874
−HK$7,336/mo
Today · 4.125%
HK$284,210
baseline
▲ 0.50% · 4.625%
HK$299,191
+HK$14,981/mo
Deposit HK$5.91M · loan HK$53.15M · min. income ≈ HK$568,420/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,509,716 · Scale 2, in force from 26 Feb 2026)