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$213,899
−HK$13,414/mo
▼ 0.25% · 3.875%
HK$220,553
−HK$6,760/mo
Today · 4.125%
HK$227,313
baseline
▲ 0.50% · 4.625%
HK$241,144
+HK$13,831/mo
Deposit HK$46.90M · loan HK$46.90M · min. income ≈ HK$454,626/mo (50% DSR)
Upfront cash ≈ HK$50.89M (deposit + AVD stamp duty HK$3,986,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,961
−HK$12,856/mo
▼ 0.25% · 3.875%
HK$244,343
−HK$6,474/mo
Today · 4.125%
HK$250,817
baseline
▲ 0.50% · 4.625%
HK$264,038
+HK$13,221/mo
Deposit HK$46.90M · loan HK$46.90M · min. income ≈ HK$501,634/mo (50% DSR)
Upfront cash ≈ HK$50.89M (deposit + AVD stamp duty HK$3,986,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,679
−HK$16,096/mo
▼ 0.25% · 3.875%
HK$264,664
−HK$8,111/mo
Today · 4.125%
HK$272,775
baseline
▲ 0.50% · 4.625%
HK$289,373
+HK$16,598/mo
Deposit HK$37.52M · loan HK$56.28M · min. income ≈ HK$545,550/mo (50% DSR)
Upfront cash ≈ HK$41.51M (deposit + AVD stamp duty HK$3,986,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,553
−HK$15,428/mo
▼ 0.25% · 3.875%
HK$293,212
−HK$7,769/mo
Today · 4.125%
HK$300,981
baseline
▲ 0.50% · 4.625%
HK$316,846
+HK$15,865/mo
Deposit HK$37.52M · loan HK$56.28M · min. income ≈ HK$601,962/mo (50% DSR)
Upfront cash ≈ HK$41.51M (deposit + AVD stamp duty HK$3,986,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,459
−HK$18,779/mo
▼ 0.25% · 3.875%
HK$308,774
−HK$9,464/mo
Today · 4.125%
HK$318,238
baseline
▲ 0.50% · 4.625%
HK$337,602
+HK$19,364/mo
Deposit HK$28.14M · loan HK$65.66M · min. income ≈ HK$636,476/mo (50% DSR)
Upfront cash ≈ HK$32.13M (deposit + AVD stamp duty HK$3,986,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$333,145
−HK$17,999/mo
▼ 0.25% · 3.875%
HK$342,080
−HK$9,064/mo
Today · 4.125%
HK$351,144
baseline
▲ 0.50% · 4.625%
HK$369,654
+HK$18,510/mo
Deposit HK$28.14M · loan HK$65.66M · min. income ≈ HK$702,288/mo (50% DSR)
Upfront cash ≈ HK$32.13M (deposit + AVD stamp duty HK$3,986,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$385,019
−HK$24,144/mo
▼ 0.25% · 3.875%
HK$396,995
−HK$12,168/mo
Today · 4.125%
HK$409,163
baseline
▲ 0.50% · 4.625%
HK$434,060
+HK$24,897/mo
Deposit HK$9.38M · loan HK$84.42M · min. income ≈ HK$818,326/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$3,986,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$428,330
−HK$23,141/mo
▼ 0.25% · 3.875%
HK$439,817
−HK$11,654/mo
Today · 4.125%
HK$451,471
baseline
▲ 0.50% · 4.625%
HK$475,269
+HK$23,798/mo
Deposit HK$9.38M · loan HK$84.42M · min. income ≈ HK$902,942/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$3,986,714 · Scale 2, in force from 26 Feb 2026)