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$156,439
−HK$9,810/mo
▼ 0.25% · 3.875%
HK$161,305
−HK$4,944/mo
Today · 4.125%
HK$166,249
baseline
▲ 0.50% · 4.625%
HK$176,365
+HK$10,116/mo
Deposit HK$34.30M · loan HK$34.30M · min. income ≈ HK$332,498/mo (50% DSR)
Upfront cash ≈ HK$37.22M (deposit + AVD stamp duty HK$2,915,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,037
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$178,704
−HK$4,735/mo
Today · 4.125%
HK$183,439
baseline
▲ 0.50% · 4.625%
HK$193,109
+HK$9,670/mo
Deposit HK$34.30M · loan HK$34.30M · min. income ≈ HK$366,878/mo (50% DSR)
Upfront cash ≈ HK$37.22M (deposit + AVD stamp duty HK$2,915,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,727
−HK$11,772/mo
▼ 0.25% · 3.875%
HK$193,566
−HK$5,933/mo
Today · 4.125%
HK$199,499
baseline
▲ 0.50% · 4.625%
HK$211,638
+HK$12,139/mo
Deposit HK$27.44M · loan HK$41.16M · min. income ≈ HK$398,998/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,915,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,844
−HK$11,283/mo
▼ 0.25% · 3.875%
HK$214,445
−HK$5,682/mo
Today · 4.125%
HK$220,127
baseline
▲ 0.50% · 4.625%
HK$231,730
+HK$11,603/mo
Deposit HK$27.44M · loan HK$41.16M · min. income ≈ HK$440,254/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,915,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,014
−HK$13,734/mo
▼ 0.25% · 3.875%
HK$225,827
−HK$6,921/mo
Today · 4.125%
HK$232,748
baseline
▲ 0.50% · 4.625%
HK$246,911
+HK$14,163/mo
Deposit HK$20.58M · loan HK$48.02M · min. income ≈ HK$465,496/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,915,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,651
−HK$13,164/mo
▼ 0.25% · 3.875%
HK$250,186
−HK$6,629/mo
Today · 4.125%
HK$256,815
baseline
▲ 0.50% · 4.625%
HK$270,352
+HK$13,537/mo
Deposit HK$20.58M · loan HK$48.02M · min. income ≈ HK$513,630/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,915,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,590
−HK$17,658/mo
▼ 0.25% · 3.875%
HK$290,349
−HK$8,899/mo
Today · 4.125%
HK$299,248
baseline
▲ 0.50% · 4.625%
HK$317,457
+HK$18,209/mo
Deposit HK$6.86M · loan HK$61.75M · min. income ≈ HK$598,496/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,915,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,266
−HK$16,925/mo
▼ 0.25% · 3.875%
HK$321,668
−HK$8,523/mo
Today · 4.125%
HK$330,191
baseline
▲ 0.50% · 4.625%
HK$347,595
+HK$17,404/mo
Deposit HK$6.86M · loan HK$61.75M · min. income ≈ HK$660,382/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,915,747 · Scale 2, in force from 26 Feb 2026)