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$138,151
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$142,449
−HK$4,366/mo
Today · 4.125%
HK$146,815
baseline
▲ 0.50% · 4.625%
HK$155,748
+HK$8,933/mo
Deposit HK$30.29M · loan HK$30.29M · min. income ≈ HK$293,630/mo (50% DSR)
Upfront cash ≈ HK$32.87M (deposit + AVD stamp duty HK$2,574,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,692
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$157,814
−HK$4,181/mo
Today · 4.125%
HK$161,995
baseline
▲ 0.50% · 4.625%
HK$170,534
+HK$8,539/mo
Deposit HK$30.29M · loan HK$30.29M · min. income ≈ HK$323,990/mo (50% DSR)
Upfront cash ≈ HK$32.87M (deposit + AVD stamp duty HK$2,574,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,782
−HK$10,396/mo
▼ 0.25% · 3.875%
HK$170,938
−HK$5,240/mo
Today · 4.125%
HK$176,178
baseline
▲ 0.50% · 4.625%
HK$186,898
+HK$10,720/mo
Deposit HK$24.23M · loan HK$36.35M · min. income ≈ HK$352,356/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,574,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,430
−HK$9,965/mo
▼ 0.25% · 3.875%
HK$189,377
−HK$5,018/mo
Today · 4.125%
HK$194,395
baseline
▲ 0.50% · 4.625%
HK$204,641
+HK$10,246/mo
Deposit HK$24.23M · loan HK$36.35M · min. income ≈ HK$388,790/mo (50% DSR)
Upfront cash ≈ HK$26.81M (deposit + AVD stamp duty HK$2,574,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,412
−HK$12,128/mo
▼ 0.25% · 3.875%
HK$199,428
−HK$6,112/mo
Today · 4.125%
HK$205,540
baseline
▲ 0.50% · 4.625%
HK$218,047
+HK$12,507/mo
Deposit HK$18.18M · loan HK$42.41M · min. income ≈ HK$411,080/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$2,574,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,169
−HK$11,625/mo
▼ 0.25% · 3.875%
HK$220,939
−HK$5,855/mo
Today · 4.125%
HK$226,794
baseline
▲ 0.50% · 4.625%
HK$238,748
+HK$11,954/mo
Deposit HK$18.18M · loan HK$42.41M · min. income ≈ HK$453,588/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$2,574,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,672
−HK$15,594/mo
▼ 0.25% · 3.875%
HK$256,408
−HK$7,858/mo
Today · 4.125%
HK$264,266
baseline
▲ 0.50% · 4.625%
HK$280,346
+HK$16,080/mo
Deposit HK$6.06M · loan HK$54.53M · min. income ≈ HK$528,532/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$2,574,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,646
−HK$14,946/mo
▼ 0.25% · 3.875%
HK$284,065
−HK$7,527/mo
Today · 4.125%
HK$291,592
baseline
▲ 0.50% · 4.625%
HK$306,962
+HK$15,370/mo
Deposit HK$6.06M · loan HK$54.53M · min. income ≈ HK$583,184/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$2,574,900 · Scale 2, in force from 26 Feb 2026)