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$175,865
−HK$11,028/mo
▼ 0.25% · 3.875%
HK$181,335
−HK$5,558/mo
Today · 4.125%
HK$186,893
baseline
▲ 0.50% · 4.625%
HK$198,265
+HK$11,372/mo
Deposit HK$38.56M · loan HK$38.56M · min. income ≈ HK$373,786/mo (50% DSR)
Upfront cash ≈ HK$41.84M (deposit + AVD stamp duty HK$3,277,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,648
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$200,895
−HK$5,323/mo
Today · 4.125%
HK$206,218
baseline
▲ 0.50% · 4.625%
HK$217,088
+HK$10,870/mo
Deposit HK$38.56M · loan HK$38.56M · min. income ≈ HK$412,436/mo (50% DSR)
Upfront cash ≈ HK$41.84M (deposit + AVD stamp duty HK$3,277,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,038
−HK$13,234/mo
▼ 0.25% · 3.875%
HK$217,602
−HK$6,670/mo
Today · 4.125%
HK$224,272
baseline
▲ 0.50% · 4.625%
HK$237,918
+HK$13,646/mo
Deposit HK$30.85M · loan HK$46.28M · min. income ≈ HK$448,544/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$3,277,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,778
−HK$12,684/mo
▼ 0.25% · 3.875%
HK$241,074
−HK$6,388/mo
Today · 4.125%
HK$247,462
baseline
▲ 0.50% · 4.625%
HK$260,506
+HK$13,044/mo
Deposit HK$30.85M · loan HK$46.28M · min. income ≈ HK$494,924/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$3,277,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,211
−HK$15,440/mo
▼ 0.25% · 3.875%
HK$253,870
−HK$7,781/mo
Today · 4.125%
HK$261,651
baseline
▲ 0.50% · 4.625%
HK$277,571
+HK$15,920/mo
Deposit HK$23.14M · loan HK$53.99M · min. income ≈ HK$523,302/mo (50% DSR)
Upfront cash ≈ HK$26.42M (deposit + AVD stamp duty HK$3,277,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,907
−HK$14,799/mo
▼ 0.25% · 3.875%
HK$281,253
−HK$7,453/mo
Today · 4.125%
HK$288,706
baseline
▲ 0.50% · 4.625%
HK$303,924
+HK$15,218/mo
Deposit HK$23.14M · loan HK$53.99M · min. income ≈ HK$577,412/mo (50% DSR)
Upfront cash ≈ HK$26.42M (deposit + AVD stamp duty HK$3,277,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,557
−HK$19,851/mo
▼ 0.25% · 3.875%
HK$326,404
−HK$10,004/mo
Today · 4.125%
HK$336,408
baseline
▲ 0.50% · 4.625%
HK$356,878
+HK$20,470/mo
Deposit HK$7.71M · loan HK$69.41M · min. income ≈ HK$672,816/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$3,277,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,166
−HK$19,027/mo
▼ 0.25% · 3.875%
HK$361,611
−HK$9,582/mo
Today · 4.125%
HK$371,193
baseline
▲ 0.50% · 4.625%
HK$390,759
+HK$19,566/mo
Deposit HK$7.71M · loan HK$69.41M · min. income ≈ HK$742,386/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$3,277,817 · Scale 2, in force from 26 Feb 2026)