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$131,493
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,583
−HK$4,155/mo
Today · 4.125%
HK$139,738
baseline
▲ 0.50% · 4.625%
HK$148,241
+HK$8,503/mo
Deposit HK$28.83M · loan HK$28.83M · min. income ≈ HK$279,476/mo (50% DSR)
Upfront cash ≈ HK$31.28M (deposit + AVD stamp duty HK$2,450,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,284
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$150,207
−HK$3,981/mo
Today · 4.125%
HK$154,188
baseline
▲ 0.50% · 4.625%
HK$162,315
+HK$8,127/mo
Deposit HK$28.83M · loan HK$28.83M · min. income ≈ HK$308,376/mo (50% DSR)
Upfront cash ≈ HK$31.28M (deposit + AVD stamp duty HK$2,450,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,791
−HK$9,895/mo
▼ 0.25% · 3.875%
HK$162,699
−HK$4,987/mo
Today · 4.125%
HK$167,686
baseline
▲ 0.50% · 4.625%
HK$177,889
+HK$10,203/mo
Deposit HK$23.07M · loan HK$34.60M · min. income ≈ HK$335,372/mo (50% DSR)
Upfront cash ≈ HK$25.52M (deposit + AVD stamp duty HK$2,450,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,541
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$180,249
−HK$4,776/mo
Today · 4.125%
HK$185,025
baseline
▲ 0.50% · 4.625%
HK$194,778
+HK$9,753/mo
Deposit HK$23.07M · loan HK$34.60M · min. income ≈ HK$370,050/mo (50% DSR)
Upfront cash ≈ HK$25.52M (deposit + AVD stamp duty HK$2,450,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,090
−HK$11,544/mo
▼ 0.25% · 3.875%
HK$189,816
−HK$5,818/mo
Today · 4.125%
HK$195,634
baseline
▲ 0.50% · 4.625%
HK$207,538
+HK$11,904/mo
Deposit HK$17.30M · loan HK$40.37M · min. income ≈ HK$391,268/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$2,450,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,798
−HK$11,065/mo
▼ 0.25% · 3.875%
HK$210,290
−HK$5,573/mo
Today · 4.125%
HK$215,863
baseline
▲ 0.50% · 4.625%
HK$227,241
+HK$11,378/mo
Deposit HK$17.30M · loan HK$40.37M · min. income ≈ HK$431,726/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$2,450,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,687
−HK$14,842/mo
▼ 0.25% · 3.875%
HK$244,049
−HK$7,480/mo
Today · 4.125%
HK$251,529
baseline
▲ 0.50% · 4.625%
HK$266,834
+HK$15,305/mo
Deposit HK$5.77M · loan HK$51.90M · min. income ≈ HK$503,058/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,450,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,312
−HK$14,226/mo
▼ 0.25% · 3.875%
HK$270,373
−HK$7,165/mo
Today · 4.125%
HK$277,538
baseline
▲ 0.50% · 4.625%
HK$292,167
+HK$14,629/mo
Deposit HK$5.77M · loan HK$51.90M · min. income ≈ HK$555,076/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,450,794 · Scale 2, in force from 26 Feb 2026)