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$158,266
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$163,189
−HK$5,002/mo
Today · 4.125%
HK$168,191
baseline
▲ 0.50% · 4.625%
HK$178,425
+HK$10,234/mo
Deposit HK$34.70M · loan HK$34.70M · min. income ≈ HK$336,382/mo (50% DSR)
Upfront cash ≈ HK$37.65M (deposit + AVD stamp duty HK$2,949,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,070
−HK$9,512/mo
▼ 0.25% · 3.875%
HK$180,792
−HK$4,790/mo
Today · 4.125%
HK$185,582
baseline
▲ 0.50% · 4.625%
HK$195,364
+HK$9,782/mo
Deposit HK$34.70M · loan HK$34.70M · min. income ≈ HK$371,164/mo (50% DSR)
Upfront cash ≈ HK$37.65M (deposit + AVD stamp duty HK$2,949,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,919
−HK$11,910/mo
▼ 0.25% · 3.875%
HK$195,827
−HK$6,002/mo
Today · 4.125%
HK$201,829
baseline
▲ 0.50% · 4.625%
HK$214,110
+HK$12,281/mo
Deposit HK$27.76M · loan HK$41.64M · min. income ≈ HK$403,658/mo (50% DSR)
Upfront cash ≈ HK$30.71M (deposit + AVD stamp duty HK$2,949,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,283
−HK$11,415/mo
▼ 0.25% · 3.875%
HK$216,950
−HK$5,748/mo
Today · 4.125%
HK$222,698
baseline
▲ 0.50% · 4.625%
HK$234,437
+HK$11,739/mo
Deposit HK$27.76M · loan HK$41.64M · min. income ≈ HK$445,396/mo (50% DSR)
Upfront cash ≈ HK$30.71M (deposit + AVD stamp duty HK$2,949,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,573
−HK$13,894/mo
▼ 0.25% · 3.875%
HK$228,465
−HK$7,002/mo
Today · 4.125%
HK$235,467
baseline
▲ 0.50% · 4.625%
HK$249,795
+HK$14,328/mo
Deposit HK$20.82M · loan HK$48.59M · min. income ≈ HK$470,934/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$2,949,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,497
−HK$13,318/mo
▼ 0.25% · 3.875%
HK$253,108
−HK$6,707/mo
Today · 4.125%
HK$259,815
baseline
▲ 0.50% · 4.625%
HK$273,510
+HK$13,695/mo
Deposit HK$20.82M · loan HK$48.59M · min. income ≈ HK$519,630/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$2,949,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,879
−HK$17,865/mo
▼ 0.25% · 3.875%
HK$293,740
−HK$9,004/mo
Today · 4.125%
HK$302,744
baseline
▲ 0.50% · 4.625%
HK$321,165
+HK$18,421/mo
Deposit HK$6.94M · loan HK$62.47M · min. income ≈ HK$605,488/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$2,949,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,925
−HK$17,123/mo
▼ 0.25% · 3.875%
HK$325,425
−HK$8,623/mo
Today · 4.125%
HK$334,048
baseline
▲ 0.50% · 4.625%
HK$351,656
+HK$17,608/mo
Deposit HK$6.94M · loan HK$62.47M · min. income ≈ HK$668,096/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$2,949,805 · Scale 2, in force from 26 Feb 2026)