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$150,961
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$155,657
−HK$4,770/mo
Today · 4.125%
HK$160,427
baseline
▲ 0.50% · 4.625%
HK$170,189
+HK$9,762/mo
Deposit HK$33.10M · loan HK$33.10M · min. income ≈ HK$320,854/mo (50% DSR)
Upfront cash ≈ HK$35.92M (deposit + AVD stamp duty HK$2,813,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,943
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$172,447
−HK$4,569/mo
Today · 4.125%
HK$177,016
baseline
▲ 0.50% · 4.625%
HK$186,347
+HK$9,331/mo
Deposit HK$33.10M · loan HK$33.10M · min. income ≈ HK$354,032/mo (50% DSR)
Upfront cash ≈ HK$35.92M (deposit + AVD stamp duty HK$2,813,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,153
−HK$11,360/mo
▼ 0.25% · 3.875%
HK$186,788
−HK$5,725/mo
Today · 4.125%
HK$192,513
baseline
▲ 0.50% · 4.625%
HK$204,227
+HK$11,714/mo
Deposit HK$26.48M · loan HK$39.72M · min. income ≈ HK$385,026/mo (50% DSR)
Upfront cash ≈ HK$29.30M (deposit + AVD stamp duty HK$2,813,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,531
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$206,936
−HK$5,483/mo
Today · 4.125%
HK$212,419
baseline
▲ 0.50% · 4.625%
HK$223,616
+HK$11,197/mo
Deposit HK$26.48M · loan HK$39.72M · min. income ≈ HK$424,838/mo (50% DSR)
Upfront cash ≈ HK$29.30M (deposit + AVD stamp duty HK$2,813,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,345
−HK$13,253/mo
▼ 0.25% · 3.875%
HK$217,919
−HK$6,679/mo
Today · 4.125%
HK$224,598
baseline
▲ 0.50% · 4.625%
HK$238,265
+HK$13,667/mo
Deposit HK$19.86M · loan HK$46.34M · min. income ≈ HK$449,196/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$2,813,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,120
−HK$12,702/mo
▼ 0.25% · 3.875%
HK$241,425
−HK$6,397/mo
Today · 4.125%
HK$247,822
baseline
▲ 0.50% · 4.625%
HK$260,885
+HK$13,063/mo
Deposit HK$19.86M · loan HK$46.34M · min. income ≈ HK$495,644/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$2,813,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,730
−HK$17,039/mo
▼ 0.25% · 3.875%
HK$280,182
−HK$8,587/mo
Today · 4.125%
HK$288,769
baseline
▲ 0.50% · 4.625%
HK$306,340
+HK$17,571/mo
Deposit HK$6.62M · loan HK$59.58M · min. income ≈ HK$577,538/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,813,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,297
−HK$16,332/mo
▼ 0.25% · 3.875%
HK$310,404
−HK$8,225/mo
Today · 4.125%
HK$318,629
baseline
▲ 0.50% · 4.625%
HK$335,424
+HK$16,795/mo
Deposit HK$6.62M · loan HK$59.58M · min. income ≈ HK$637,258/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,813,648 · Scale 2, in force from 26 Feb 2026)