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$203,116
−HK$12,737/mo
▼ 0.25% · 3.875%
HK$209,434
−HK$6,419/mo
Today · 4.125%
HK$215,853
baseline
▲ 0.50% · 4.625%
HK$228,987
+HK$13,134/mo
Deposit HK$44.54M · loan HK$44.54M · min. income ≈ HK$431,706/mo (50% DSR)
Upfront cash ≈ HK$48.32M (deposit + AVD stamp duty HK$3,785,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,965
−HK$12,208/mo
▼ 0.25% · 3.875%
HK$232,025
−HK$6,148/mo
Today · 4.125%
HK$238,173
baseline
▲ 0.50% · 4.625%
HK$250,727
+HK$12,554/mo
Deposit HK$44.54M · loan HK$44.54M · min. income ≈ HK$476,346/mo (50% DSR)
Upfront cash ≈ HK$48.32M (deposit + AVD stamp duty HK$3,785,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,739
−HK$15,285/mo
▼ 0.25% · 3.875%
HK$251,321
−HK$7,703/mo
Today · 4.125%
HK$259,024
baseline
▲ 0.50% · 4.625%
HK$274,785
+HK$15,761/mo
Deposit HK$35.63M · loan HK$53.45M · min. income ≈ HK$518,048/mo (50% DSR)
Upfront cash ≈ HK$39.42M (deposit + AVD stamp duty HK$3,785,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,158
−HK$14,649/mo
▼ 0.25% · 3.875%
HK$278,430
−HK$7,377/mo
Today · 4.125%
HK$285,807
baseline
▲ 0.50% · 4.625%
HK$300,873
+HK$15,066/mo
Deposit HK$35.63M · loan HK$53.45M · min. income ≈ HK$571,614/mo (50% DSR)
Upfront cash ≈ HK$39.42M (deposit + AVD stamp duty HK$3,785,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,363
−HK$17,832/mo
▼ 0.25% · 3.875%
HK$293,208
−HK$8,987/mo
Today · 4.125%
HK$302,195
baseline
▲ 0.50% · 4.625%
HK$320,582
+HK$18,387/mo
Deposit HK$26.72M · loan HK$62.35M · min. income ≈ HK$604,390/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$3,785,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,350
−HK$17,092/mo
▼ 0.25% · 3.875%
HK$324,835
−HK$8,607/mo
Today · 4.125%
HK$333,442
baseline
▲ 0.50% · 4.625%
HK$351,018
+HK$17,576/mo
Deposit HK$26.72M · loan HK$62.35M · min. income ≈ HK$666,884/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$3,785,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$365,609
−HK$22,927/mo
▼ 0.25% · 3.875%
HK$376,981
−HK$11,555/mo
Today · 4.125%
HK$388,536
baseline
▲ 0.50% · 4.625%
HK$412,177
+HK$23,641/mo
Deposit HK$8.91M · loan HK$80.17M · min. income ≈ HK$777,072/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$3,785,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$406,736
−HK$21,975/mo
▼ 0.25% · 3.875%
HK$417,645
−HK$11,066/mo
Today · 4.125%
HK$428,711
baseline
▲ 0.50% · 4.625%
HK$451,309
+HK$22,598/mo
Deposit HK$8.91M · loan HK$80.17M · min. income ≈ HK$857,422/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$3,785,730 · Scale 2, in force from 26 Feb 2026)