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$153,270
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$158,037
−HK$4,844/mo
Today · 4.125%
HK$162,881
baseline
▲ 0.50% · 4.625%
HK$172,792
+HK$9,911/mo
Deposit HK$33.61M · loan HK$33.61M · min. income ≈ HK$325,762/mo (50% DSR)
Upfront cash ≈ HK$36.46M (deposit + AVD stamp duty HK$2,856,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,511
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$175,084
−HK$4,639/mo
Today · 4.125%
HK$179,723
baseline
▲ 0.50% · 4.625%
HK$189,196
+HK$9,473/mo
Deposit HK$33.61M · loan HK$33.61M · min. income ≈ HK$359,446/mo (50% DSR)
Upfront cash ≈ HK$36.46M (deposit + AVD stamp duty HK$2,856,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,923
−HK$11,534/mo
▼ 0.25% · 3.875%
HK$189,645
−HK$5,812/mo
Today · 4.125%
HK$195,457
baseline
▲ 0.50% · 4.625%
HK$207,350
+HK$11,893/mo
Deposit HK$26.89M · loan HK$40.33M · min. income ≈ HK$390,914/mo (50% DSR)
Upfront cash ≈ HK$29.74M (deposit + AVD stamp duty HK$2,856,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,613
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$210,101
−HK$5,567/mo
Today · 4.125%
HK$215,668
baseline
▲ 0.50% · 4.625%
HK$227,036
+HK$11,368/mo
Deposit HK$26.89M · loan HK$40.33M · min. income ≈ HK$431,336/mo (50% DSR)
Upfront cash ≈ HK$29.74M (deposit + AVD stamp duty HK$2,856,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,577
−HK$13,456/mo
▼ 0.25% · 3.875%
HK$221,252
−HK$6,781/mo
Today · 4.125%
HK$228,033
baseline
▲ 0.50% · 4.625%
HK$241,909
+HK$13,876/mo
Deposit HK$20.16M · loan HK$47.05M · min. income ≈ HK$456,066/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$2,856,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,715
−HK$12,897/mo
▼ 0.25% · 3.875%
HK$245,117
−HK$6,495/mo
Today · 4.125%
HK$251,612
baseline
▲ 0.50% · 4.625%
HK$264,875
+HK$13,263/mo
Deposit HK$20.16M · loan HK$47.05M · min. income ≈ HK$503,224/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$2,856,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,885
−HK$17,301/mo
▼ 0.25% · 3.875%
HK$284,467
−HK$8,719/mo
Today · 4.125%
HK$293,186
baseline
▲ 0.50% · 4.625%
HK$311,025
+HK$17,839/mo
Deposit HK$6.72M · loan HK$60.49M · min. income ≈ HK$586,372/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$2,856,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,920
−HK$16,581/mo
▼ 0.25% · 3.875%
HK$315,151
−HK$8,350/mo
Today · 4.125%
HK$323,501
baseline
▲ 0.50% · 4.625%
HK$340,554
+HK$17,053/mo
Deposit HK$6.72M · loan HK$60.49M · min. income ≈ HK$647,002/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$2,856,678 · Scale 2, in force from 26 Feb 2026)