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$172,020
−HK$10,787/mo
▼ 0.25% · 3.875%
HK$177,371
−HK$5,436/mo
Today · 4.125%
HK$182,807
baseline
▲ 0.50% · 4.625%
HK$193,931
+HK$11,124/mo
Deposit HK$37.72M · loan HK$37.72M · min. income ≈ HK$365,614/mo (50% DSR)
Upfront cash ≈ HK$40.93M (deposit + AVD stamp duty HK$3,206,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,371
−HK$10,339/mo
▼ 0.25% · 3.875%
HK$196,503
−HK$5,207/mo
Today · 4.125%
HK$201,710
baseline
▲ 0.50% · 4.625%
HK$212,342
+HK$10,632/mo
Deposit HK$37.72M · loan HK$37.72M · min. income ≈ HK$403,420/mo (50% DSR)
Upfront cash ≈ HK$40.93M (deposit + AVD stamp duty HK$3,206,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,424
−HK$12,945/mo
▼ 0.25% · 3.875%
HK$212,845
−HK$6,524/mo
Today · 4.125%
HK$219,369
baseline
▲ 0.50% · 4.625%
HK$232,717
+HK$13,348/mo
Deposit HK$30.18M · loan HK$45.26M · min. income ≈ HK$438,738/mo (50% DSR)
Upfront cash ≈ HK$33.38M (deposit + AVD stamp duty HK$3,206,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,645
−HK$12,407/mo
▼ 0.25% · 3.875%
HK$235,804
−HK$6,248/mo
Today · 4.125%
HK$242,052
baseline
▲ 0.50% · 4.625%
HK$254,811
+HK$12,759/mo
Deposit HK$30.18M · loan HK$45.26M · min. income ≈ HK$484,104/mo (50% DSR)
Upfront cash ≈ HK$33.38M (deposit + AVD stamp duty HK$3,206,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,828
−HK$15,102/mo
▼ 0.25% · 3.875%
HK$248,319
−HK$7,611/mo
Today · 4.125%
HK$255,930
baseline
▲ 0.50% · 4.625%
HK$271,503
+HK$15,573/mo
Deposit HK$22.63M · loan HK$52.81M · min. income ≈ HK$511,860/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$3,206,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,919
−HK$14,475/mo
▼ 0.25% · 3.875%
HK$275,104
−HK$7,290/mo
Today · 4.125%
HK$282,394
baseline
▲ 0.50% · 4.625%
HK$297,279
+HK$14,885/mo
Deposit HK$22.63M · loan HK$52.81M · min. income ≈ HK$564,788/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$3,206,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,636
−HK$19,417/mo
▼ 0.25% · 3.875%
HK$319,268
−HK$9,785/mo
Today · 4.125%
HK$329,053
baseline
▲ 0.50% · 4.625%
HK$349,075
+HK$20,022/mo
Deposit HK$7.54M · loan HK$67.90M · min. income ≈ HK$658,106/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$3,206,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,467
−HK$18,611/mo
▼ 0.25% · 3.875%
HK$353,706
−HK$9,372/mo
Today · 4.125%
HK$363,078
baseline
▲ 0.50% · 4.625%
HK$382,216
+HK$19,138/mo
Deposit HK$7.54M · loan HK$67.90M · min. income ≈ HK$726,156/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$3,206,156 · Scale 2, in force from 26 Feb 2026)