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$161,692
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$166,722
−HK$5,110/mo
Today · 4.125%
HK$171,832
baseline
▲ 0.50% · 4.625%
HK$182,287
+HK$10,455/mo
Deposit HK$35.45M · loan HK$35.45M · min. income ≈ HK$343,664/mo (50% DSR)
Upfront cash ≈ HK$38.47M (deposit + AVD stamp duty HK$3,013,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,881
−HK$9,718/mo
▼ 0.25% · 3.875%
HK$184,705
−HK$4,894/mo
Today · 4.125%
HK$189,599
baseline
▲ 0.50% · 4.625%
HK$199,593
+HK$9,994/mo
Deposit HK$35.45M · loan HK$35.45M · min. income ≈ HK$379,198/mo (50% DSR)
Upfront cash ≈ HK$38.47M (deposit + AVD stamp duty HK$3,013,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,031
−HK$12,167/mo
▼ 0.25% · 3.875%
HK$200,066
−HK$6,132/mo
Today · 4.125%
HK$206,198
baseline
▲ 0.50% · 4.625%
HK$218,745
+HK$12,547/mo
Deposit HK$28.36M · loan HK$42.55M · min. income ≈ HK$412,396/mo (50% DSR)
Upfront cash ≈ HK$31.38M (deposit + AVD stamp duty HK$3,013,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,857
−HK$11,662/mo
▼ 0.25% · 3.875%
HK$221,646
−HK$5,873/mo
Today · 4.125%
HK$227,519
baseline
▲ 0.50% · 4.625%
HK$239,512
+HK$11,993/mo
Deposit HK$28.36M · loan HK$42.55M · min. income ≈ HK$455,038/mo (50% DSR)
Upfront cash ≈ HK$31.38M (deposit + AVD stamp duty HK$3,013,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,369
−HK$14,196/mo
▼ 0.25% · 3.875%
HK$233,411
−HK$7,154/mo
Today · 4.125%
HK$240,565
baseline
▲ 0.50% · 4.625%
HK$255,202
+HK$14,637/mo
Deposit HK$21.27M · loan HK$49.64M · min. income ≈ HK$481,130/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$3,013,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,833
−HK$13,606/mo
▼ 0.25% · 3.875%
HK$258,587
−HK$6,852/mo
Today · 4.125%
HK$265,439
baseline
▲ 0.50% · 4.625%
HK$279,431
+HK$13,992/mo
Deposit HK$21.27M · loan HK$49.64M · min. income ≈ HK$530,878/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$3,013,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,046
−HK$18,251/mo
▼ 0.25% · 3.875%
HK$300,099
−HK$9,198/mo
Today · 4.125%
HK$309,297
baseline
▲ 0.50% · 4.625%
HK$328,117
+HK$18,820/mo
Deposit HK$7.09M · loan HK$63.82M · min. income ≈ HK$618,594/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$3,013,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,786
−HK$17,493/mo
▼ 0.25% · 3.875%
HK$332,470
−HK$8,809/mo
Today · 4.125%
HK$341,279
baseline
▲ 0.50% · 4.625%
HK$359,268
+HK$17,989/mo
Deposit HK$7.09M · loan HK$63.82M · min. income ≈ HK$682,558/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$3,013,662 · Scale 2, in force from 26 Feb 2026)