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$176,078
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$181,555
−HK$5,564/mo
Today · 4.125%
HK$187,119
baseline
▲ 0.50% · 4.625%
HK$198,505
+HK$11,386/mo
Deposit HK$38.61M · loan HK$38.61M · min. income ≈ HK$374,238/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,885
−HK$10,583/mo
▼ 0.25% · 3.875%
HK$201,138
−HK$5,330/mo
Today · 4.125%
HK$206,468
baseline
▲ 0.50% · 4.625%
HK$217,351
+HK$10,883/mo
Deposit HK$38.61M · loan HK$38.61M · min. income ≈ HK$412,936/mo (50% DSR)
Upfront cash ≈ HK$41.89M (deposit + AVD stamp duty HK$3,281,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,293
−HK$13,250/mo
▼ 0.25% · 3.875%
HK$217,866
−HK$6,677/mo
Today · 4.125%
HK$224,543
baseline
▲ 0.50% · 4.625%
HK$238,206
+HK$13,663/mo
Deposit HK$30.89M · loan HK$46.33M · min. income ≈ HK$449,086/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$3,281,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,062
−HK$12,699/mo
▼ 0.25% · 3.875%
HK$241,366
−HK$6,395/mo
Today · 4.125%
HK$247,761
baseline
▲ 0.50% · 4.625%
HK$260,821
+HK$13,060/mo
Deposit HK$30.89M · loan HK$46.33M · min. income ≈ HK$495,522/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$3,281,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,509
−HK$15,458/mo
▼ 0.25% · 3.875%
HK$254,177
−HK$7,790/mo
Today · 4.125%
HK$261,967
baseline
▲ 0.50% · 4.625%
HK$277,907
+HK$15,940/mo
Deposit HK$23.17M · loan HK$54.05M · min. income ≈ HK$523,934/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,281,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,239
−HK$14,816/mo
▼ 0.25% · 3.875%
HK$281,594
−HK$7,461/mo
Today · 4.125%
HK$289,055
baseline
▲ 0.50% · 4.625%
HK$304,291
+HK$15,236/mo
Deposit HK$23.17M · loan HK$54.05M · min. income ≈ HK$578,110/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,281,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,940
−HK$19,875/mo
▼ 0.25% · 3.875%
HK$326,799
−HK$10,016/mo
Today · 4.125%
HK$336,815
baseline
▲ 0.50% · 4.625%
HK$357,309
+HK$20,494/mo
Deposit HK$7.72M · loan HK$69.50M · min. income ≈ HK$673,630/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,593
−HK$19,049/mo
▼ 0.25% · 3.875%
HK$362,049
−HK$9,593/mo
Today · 4.125%
HK$371,642
baseline
▲ 0.50% · 4.625%
HK$391,232
+HK$19,590/mo
Deposit HK$7.72M · loan HK$69.50M · min. income ≈ HK$743,284/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,281,783 · Scale 2, in force from 26 Feb 2026)