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$200,581
−HK$12,578/mo
▼ 0.25% · 3.875%
HK$206,820
−HK$6,339/mo
Today · 4.125%
HK$213,159
baseline
▲ 0.50% · 4.625%
HK$226,129
+HK$12,970/mo
Deposit HK$43.98M · loan HK$43.98M · min. income ≈ HK$426,318/mo (50% DSR)
Upfront cash ≈ HK$47.72M (deposit + AVD stamp duty HK$3,738,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,144
−HK$12,056/mo
▼ 0.25% · 3.875%
HK$229,129
−HK$6,071/mo
Today · 4.125%
HK$235,200
baseline
▲ 0.50% · 4.625%
HK$247,597
+HK$12,397/mo
Deposit HK$43.98M · loan HK$43.98M · min. income ≈ HK$470,400/mo (50% DSR)
Upfront cash ≈ HK$47.72M (deposit + AVD stamp duty HK$3,738,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,697
−HK$15,094/mo
▼ 0.25% · 3.875%
HK$248,184
−HK$7,607/mo
Today · 4.125%
HK$255,791
baseline
▲ 0.50% · 4.625%
HK$271,355
+HK$15,564/mo
Deposit HK$35.19M · loan HK$52.78M · min. income ≈ HK$511,582/mo (50% DSR)
Upfront cash ≈ HK$38.92M (deposit + AVD stamp duty HK$3,738,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,773
−HK$14,467/mo
▼ 0.25% · 3.875%
HK$274,954
−HK$7,286/mo
Today · 4.125%
HK$282,240
baseline
▲ 0.50% · 4.625%
HK$297,117
+HK$14,877/mo
Deposit HK$35.19M · loan HK$52.78M · min. income ≈ HK$564,480/mo (50% DSR)
Upfront cash ≈ HK$38.92M (deposit + AVD stamp duty HK$3,738,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,813
−HK$17,609/mo
▼ 0.25% · 3.875%
HK$289,548
−HK$8,874/mo
Today · 4.125%
HK$298,422
baseline
▲ 0.50% · 4.625%
HK$316,581
+HK$18,159/mo
Deposit HK$26.39M · loan HK$61.57M · min. income ≈ HK$596,844/mo (50% DSR)
Upfront cash ≈ HK$30.13M (deposit + AVD stamp duty HK$3,738,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,402
−HK$16,878/mo
▼ 0.25% · 3.875%
HK$320,780
−HK$8,500/mo
Today · 4.125%
HK$329,280
baseline
▲ 0.50% · 4.625%
HK$346,636
+HK$17,356/mo
Deposit HK$26.39M · loan HK$61.57M · min. income ≈ HK$658,560/mo (50% DSR)
Upfront cash ≈ HK$30.13M (deposit + AVD stamp duty HK$3,738,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$361,045
−HK$22,641/mo
▼ 0.25% · 3.875%
HK$372,276
−HK$11,410/mo
Today · 4.125%
HK$383,686
baseline
▲ 0.50% · 4.625%
HK$407,032
+HK$23,346/mo
Deposit HK$8.80M · loan HK$79.17M · min. income ≈ HK$767,372/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$3,738,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$401,659
−HK$21,701/mo
▼ 0.25% · 3.875%
HK$412,431
−HK$10,929/mo
Today · 4.125%
HK$423,360
baseline
▲ 0.50% · 4.625%
HK$445,675
+HK$22,315/mo
Deposit HK$8.80M · loan HK$79.17M · min. income ≈ HK$846,720/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$3,738,474 · Scale 2, in force from 26 Feb 2026)