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$217,735
−HK$13,654/mo
▼ 0.25% · 3.875%
HK$224,508
−HK$6,881/mo
Today · 4.125%
HK$231,389
baseline
▲ 0.50% · 4.625%
HK$245,469
+HK$14,080/mo
Deposit HK$47.74M · loan HK$47.74M · min. income ≈ HK$462,778/mo (50% DSR)
Upfront cash ≈ HK$51.80M (deposit + AVD stamp duty HK$4,058,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,228
−HK$13,087/mo
▼ 0.25% · 3.875%
HK$248,725
−HK$6,590/mo
Today · 4.125%
HK$255,315
baseline
▲ 0.50% · 4.625%
HK$268,773
+HK$13,458/mo
Deposit HK$47.74M · loan HK$47.74M · min. income ≈ HK$510,630/mo (50% DSR)
Upfront cash ≈ HK$51.80M (deposit + AVD stamp duty HK$4,058,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,282
−HK$16,385/mo
▼ 0.25% · 3.875%
HK$269,410
−HK$8,257/mo
Today · 4.125%
HK$277,667
baseline
▲ 0.50% · 4.625%
HK$294,562
+HK$16,895/mo
Deposit HK$38.19M · loan HK$57.29M · min. income ≈ HK$555,334/mo (50% DSR)
Upfront cash ≈ HK$42.25M (deposit + AVD stamp duty HK$4,058,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,674
−HK$15,704/mo
▼ 0.25% · 3.875%
HK$298,470
−HK$7,908/mo
Today · 4.125%
HK$306,378
baseline
▲ 0.50% · 4.625%
HK$322,528
+HK$16,150/mo
Deposit HK$38.19M · loan HK$57.29M · min. income ≈ HK$612,756/mo (50% DSR)
Upfront cash ≈ HK$42.25M (deposit + AVD stamp duty HK$4,058,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,829
−HK$19,116/mo
▼ 0.25% · 3.875%
HK$314,311
−HK$9,634/mo
Today · 4.125%
HK$323,945
baseline
▲ 0.50% · 4.625%
HK$343,656
+HK$19,711/mo
Deposit HK$28.65M · loan HK$66.84M · min. income ≈ HK$647,890/mo (50% DSR)
Upfront cash ≈ HK$32.70M (deposit + AVD stamp duty HK$4,058,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,120
−HK$18,321/mo
▼ 0.25% · 3.875%
HK$348,215
−HK$9,226/mo
Today · 4.125%
HK$357,441
baseline
▲ 0.50% · 4.625%
HK$376,283
+HK$18,842/mo
Deposit HK$28.65M · loan HK$66.84M · min. income ≈ HK$714,882/mo (50% DSR)
Upfront cash ≈ HK$32.70M (deposit + AVD stamp duty HK$4,058,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$391,924
−HK$24,577/mo
▼ 0.25% · 3.875%
HK$404,115
−HK$12,386/mo
Today · 4.125%
HK$416,501
baseline
▲ 0.50% · 4.625%
HK$441,844
+HK$25,343/mo
Deposit HK$9.55M · loan HK$85.94M · min. income ≈ HK$833,002/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$4,058,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$436,011
−HK$23,556/mo
▼ 0.25% · 3.875%
HK$447,705
−HK$11,862/mo
Today · 4.125%
HK$459,567
baseline
▲ 0.50% · 4.625%
HK$483,792
+HK$24,225/mo
Deposit HK$9.55M · loan HK$85.94M · min. income ≈ HK$919,134/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$4,058,207 · Scale 2, in force from 26 Feb 2026)