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$153,577
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$158,354
−HK$4,854/mo
Today · 4.125%
HK$163,208
baseline
▲ 0.50% · 4.625%
HK$173,139
+HK$9,931/mo
Deposit HK$33.68M · loan HK$33.68M · min. income ≈ HK$326,416/mo (50% DSR)
Upfront cash ≈ HK$36.54M (deposit + AVD stamp duty HK$2,862,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,853
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,435
−HK$4,649/mo
Today · 4.125%
HK$180,084
baseline
▲ 0.50% · 4.625%
HK$189,576
+HK$9,492/mo
Deposit HK$33.68M · loan HK$33.68M · min. income ≈ HK$360,168/mo (50% DSR)
Upfront cash ≈ HK$36.54M (deposit + AVD stamp duty HK$2,862,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,293
−HK$11,557/mo
▼ 0.25% · 3.875%
HK$190,025
−HK$5,825/mo
Today · 4.125%
HK$195,850
baseline
▲ 0.50% · 4.625%
HK$207,767
+HK$11,917/mo
Deposit HK$26.94M · loan HK$40.41M · min. income ≈ HK$391,700/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,862,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,024
−HK$11,077/mo
▼ 0.25% · 3.875%
HK$210,523
−HK$5,578/mo
Today · 4.125%
HK$216,101
baseline
▲ 0.50% · 4.625%
HK$227,492
+HK$11,391/mo
Deposit HK$26.94M · loan HK$40.41M · min. income ≈ HK$432,202/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,862,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,008
−HK$13,483/mo
▼ 0.25% · 3.875%
HK$221,696
−HK$6,795/mo
Today · 4.125%
HK$228,491
baseline
▲ 0.50% · 4.625%
HK$242,394
+HK$13,903/mo
Deposit HK$20.21M · loan HK$47.15M · min. income ≈ HK$456,982/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$2,862,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,195
−HK$12,922/mo
▼ 0.25% · 3.875%
HK$245,610
−HK$6,507/mo
Today · 4.125%
HK$252,117
baseline
▲ 0.50% · 4.625%
HK$265,407
+HK$13,290/mo
Deposit HK$20.21M · loan HK$47.15M · min. income ≈ HK$504,234/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$2,862,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,439
−HK$17,335/mo
▼ 0.25% · 3.875%
HK$285,038
−HK$8,736/mo
Today · 4.125%
HK$293,774
baseline
▲ 0.50% · 4.625%
HK$311,650
+HK$17,876/mo
Deposit HK$6.74M · loan HK$60.62M · min. income ≈ HK$587,548/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$2,862,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,536
−HK$16,615/mo
▼ 0.25% · 3.875%
HK$315,784
−HK$8,367/mo
Today · 4.125%
HK$324,151
baseline
▲ 0.50% · 4.625%
HK$341,237
+HK$17,086/mo
Deposit HK$6.74M · loan HK$60.62M · min. income ≈ HK$648,302/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$2,862,414 · Scale 2, in force from 26 Feb 2026)