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$173,947
−HK$10,908/mo
▼ 0.25% · 3.875%
HK$179,357
−HK$5,498/mo
Today · 4.125%
HK$184,855
baseline
▲ 0.50% · 4.625%
HK$196,103
+HK$11,248/mo
Deposit HK$38.14M · loan HK$38.14M · min. income ≈ HK$369,710/mo (50% DSR)
Upfront cash ≈ HK$41.38M (deposit + AVD stamp duty HK$3,242,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,514
−HK$10,455/mo
▼ 0.25% · 3.875%
HK$198,704
−HK$5,265/mo
Today · 4.125%
HK$203,969
baseline
▲ 0.50% · 4.625%
HK$214,720
+HK$10,751/mo
Deposit HK$38.14M · loan HK$38.14M · min. income ≈ HK$407,938/mo (50% DSR)
Upfront cash ≈ HK$41.38M (deposit + AVD stamp duty HK$3,242,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,736
−HK$13,090/mo
▼ 0.25% · 3.875%
HK$215,229
−HK$6,597/mo
Today · 4.125%
HK$221,826
baseline
▲ 0.50% · 4.625%
HK$235,323
+HK$13,497/mo
Deposit HK$30.51M · loan HK$45.77M · min. income ≈ HK$443,652/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$3,242,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,217
−HK$12,546/mo
▼ 0.25% · 3.875%
HK$238,445
−HK$6,318/mo
Today · 4.125%
HK$244,763
baseline
▲ 0.50% · 4.625%
HK$257,665
+HK$12,902/mo
Deposit HK$30.51M · loan HK$45.77M · min. income ≈ HK$489,526/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$3,242,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,525
−HK$15,272/mo
▼ 0.25% · 3.875%
HK$251,100
−HK$7,697/mo
Today · 4.125%
HK$258,797
baseline
▲ 0.50% · 4.625%
HK$274,544
+HK$15,747/mo
Deposit HK$22.89M · loan HK$53.40M · min. income ≈ HK$517,594/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$3,242,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,920
−HK$14,637/mo
▼ 0.25% · 3.875%
HK$278,185
−HK$7,372/mo
Today · 4.125%
HK$285,557
baseline
▲ 0.50% · 4.625%
HK$300,609
+HK$15,052/mo
Deposit HK$22.89M · loan HK$53.40M · min. income ≈ HK$571,114/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$3,242,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,104
−HK$19,634/mo
▼ 0.25% · 3.875%
HK$322,843
−HK$9,895/mo
Today · 4.125%
HK$332,738
baseline
▲ 0.50% · 4.625%
HK$352,985
+HK$20,247/mo
Deposit HK$7.63M · loan HK$68.66M · min. income ≈ HK$665,476/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,242,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,325
−HK$18,819/mo
▼ 0.25% · 3.875%
HK$357,667
−HK$9,477/mo
Today · 4.125%
HK$367,144
baseline
▲ 0.50% · 4.625%
HK$386,497
+HK$19,353/mo
Deposit HK$7.63M · loan HK$68.66M · min. income ≈ HK$734,288/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,242,064 · Scale 2, in force from 26 Feb 2026)