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$208,639
−HK$13,083/mo
▼ 0.25% · 3.875%
HK$215,129
−HK$6,593/mo
Today · 4.125%
HK$221,722
baseline
▲ 0.50% · 4.625%
HK$235,214
+HK$13,492/mo
Deposit HK$45.75M · loan HK$45.75M · min. income ≈ HK$443,444/mo (50% DSR)
Upfront cash ≈ HK$49.64M (deposit + AVD stamp duty HK$3,888,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,109
−HK$12,540/mo
▼ 0.25% · 3.875%
HK$238,334
−HK$6,315/mo
Today · 4.125%
HK$244,649
baseline
▲ 0.50% · 4.625%
HK$257,544
+HK$12,895/mo
Deposit HK$45.75M · loan HK$45.75M · min. income ≈ HK$489,298/mo (50% DSR)
Upfront cash ≈ HK$49.64M (deposit + AVD stamp duty HK$3,888,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,367
−HK$15,700/mo
▼ 0.25% · 3.875%
HK$258,154
−HK$7,913/mo
Today · 4.125%
HK$266,067
baseline
▲ 0.50% · 4.625%
HK$282,256
+HK$16,189/mo
Deposit HK$36.60M · loan HK$54.90M · min. income ≈ HK$532,134/mo (50% DSR)
Upfront cash ≈ HK$40.49M (deposit + AVD stamp duty HK$3,888,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,530
−HK$15,048/mo
▼ 0.25% · 3.875%
HK$286,000
−HK$7,578/mo
Today · 4.125%
HK$293,578
baseline
▲ 0.50% · 4.625%
HK$309,053
+HK$15,475/mo
Deposit HK$36.60M · loan HK$54.90M · min. income ≈ HK$587,156/mo (50% DSR)
Upfront cash ≈ HK$40.49M (deposit + AVD stamp duty HK$3,888,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,094
−HK$18,317/mo
▼ 0.25% · 3.875%
HK$301,180
−HK$9,231/mo
Today · 4.125%
HK$310,411
baseline
▲ 0.50% · 4.625%
HK$329,299
+HK$18,888/mo
Deposit HK$27.45M · loan HK$64.05M · min. income ≈ HK$620,822/mo (50% DSR)
Upfront cash ≈ HK$31.34M (deposit + AVD stamp duty HK$3,888,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$324,952
−HK$17,556/mo
▼ 0.25% · 3.875%
HK$333,667
−HK$8,841/mo
Today · 4.125%
HK$342,508
baseline
▲ 0.50% · 4.625%
HK$360,562
+HK$18,054/mo
Deposit HK$27.45M · loan HK$64.05M · min. income ≈ HK$685,016/mo (50% DSR)
Upfront cash ≈ HK$31.34M (deposit + AVD stamp duty HK$3,888,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,550
−HK$23,550/mo
▼ 0.25% · 3.875%
HK$387,232
−HK$11,868/mo
Today · 4.125%
HK$399,100
baseline
▲ 0.50% · 4.625%
HK$423,384
+HK$24,284/mo
Deposit HK$9.15M · loan HK$82.35M · min. income ≈ HK$798,200/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$3,888,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$417,795
−HK$22,573/mo
▼ 0.25% · 3.875%
HK$429,001
−HK$11,367/mo
Today · 4.125%
HK$440,368
baseline
▲ 0.50% · 4.625%
HK$463,580
+HK$23,212/mo
Deposit HK$9.15M · loan HK$82.35M · min. income ≈ HK$880,736/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$3,888,664 · Scale 2, in force from 26 Feb 2026)