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$173,694
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$179,097
−HK$5,489/mo
Today · 4.125%
HK$184,586
baseline
▲ 0.50% · 4.625%
HK$195,818
+HK$11,232/mo
Deposit HK$38.09M · loan HK$38.09M · min. income ≈ HK$369,172/mo (50% DSR)
Upfront cash ≈ HK$41.32M (deposit + AVD stamp duty HK$3,237,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,233
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$198,415
−HK$5,258/mo
Today · 4.125%
HK$203,673
baseline
▲ 0.50% · 4.625%
HK$214,409
+HK$10,736/mo
Deposit HK$38.09M · loan HK$38.09M · min. income ≈ HK$407,346/mo (50% DSR)
Upfront cash ≈ HK$41.32M (deposit + AVD stamp duty HK$3,237,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,433
−HK$13,070/mo
▼ 0.25% · 3.875%
HK$214,916
−HK$6,587/mo
Today · 4.125%
HK$221,503
baseline
▲ 0.50% · 4.625%
HK$234,981
+HK$13,478/mo
Deposit HK$30.47M · loan HK$45.70M · min. income ≈ HK$443,006/mo (50% DSR)
Upfront cash ≈ HK$33.71M (deposit + AVD stamp duty HK$3,237,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,879
−HK$12,528/mo
▼ 0.25% · 3.875%
HK$238,098
−HK$6,309/mo
Today · 4.125%
HK$244,407
baseline
▲ 0.50% · 4.625%
HK$257,290
+HK$12,883/mo
Deposit HK$30.47M · loan HK$45.70M · min. income ≈ HK$488,814/mo (50% DSR)
Upfront cash ≈ HK$33.71M (deposit + AVD stamp duty HK$3,237,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,172
−HK$15,249/mo
▼ 0.25% · 3.875%
HK$250,736
−HK$7,685/mo
Today · 4.125%
HK$258,421
baseline
▲ 0.50% · 4.625%
HK$274,145
+HK$15,724/mo
Deposit HK$22.85M · loan HK$53.32M · min. income ≈ HK$516,842/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$3,237,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,526
−HK$14,616/mo
▼ 0.25% · 3.875%
HK$277,781
−HK$7,361/mo
Today · 4.125%
HK$285,142
baseline
▲ 0.50% · 4.625%
HK$300,172
+HK$15,030/mo
Deposit HK$22.85M · loan HK$53.32M · min. income ≈ HK$570,284/mo (50% DSR)
Upfront cash ≈ HK$26.09M (deposit + AVD stamp duty HK$3,237,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,649
−HK$19,606/mo
▼ 0.25% · 3.875%
HK$322,374
−HK$9,881/mo
Today · 4.125%
HK$332,255
baseline
▲ 0.50% · 4.625%
HK$352,472
+HK$20,217/mo
Deposit HK$7.62M · loan HK$68.56M · min. income ≈ HK$664,510/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$3,237,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,819
−HK$18,792/mo
▼ 0.25% · 3.875%
HK$357,148
−HK$9,463/mo
Today · 4.125%
HK$366,611
baseline
▲ 0.50% · 4.625%
HK$385,935
+HK$19,324/mo
Deposit HK$7.62M · loan HK$68.56M · min. income ≈ HK$733,222/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$3,237,355 · Scale 2, in force from 26 Feb 2026)