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$197,240
−HK$12,369/mo
▼ 0.25% · 3.875%
HK$203,375
−HK$6,234/mo
Today · 4.125%
HK$209,609
baseline
▲ 0.50% · 4.625%
HK$222,363
+HK$12,754/mo
Deposit HK$43.25M · loan HK$43.25M · min. income ≈ HK$419,218/mo (50% DSR)
Upfront cash ≈ HK$46.93M (deposit + AVD stamp duty HK$3,676,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,428
−HK$11,855/mo
▼ 0.25% · 3.875%
HK$225,313
−HK$5,970/mo
Today · 4.125%
HK$231,283
baseline
▲ 0.50% · 4.625%
HK$243,474
+HK$12,191/mo
Deposit HK$43.25M · loan HK$43.25M · min. income ≈ HK$462,566/mo (50% DSR)
Upfront cash ≈ HK$46.93M (deposit + AVD stamp duty HK$3,676,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,688
−HK$14,843/mo
▼ 0.25% · 3.875%
HK$244,051
−HK$7,480/mo
Today · 4.125%
HK$251,531
baseline
▲ 0.50% · 4.625%
HK$266,836
+HK$15,305/mo
Deposit HK$34.60M · loan HK$51.90M · min. income ≈ HK$503,062/mo (50% DSR)
Upfront cash ≈ HK$38.28M (deposit + AVD stamp duty HK$3,676,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,313
−HK$14,226/mo
▼ 0.25% · 3.875%
HK$270,375
−HK$7,164/mo
Today · 4.125%
HK$277,539
baseline
▲ 0.50% · 4.625%
HK$292,169
+HK$14,630/mo
Deposit HK$34.60M · loan HK$51.90M · min. income ≈ HK$555,078/mo (50% DSR)
Upfront cash ≈ HK$38.28M (deposit + AVD stamp duty HK$3,676,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,136
−HK$17,316/mo
▼ 0.25% · 3.875%
HK$284,726
−HK$8,726/mo
Today · 4.125%
HK$293,452
baseline
▲ 0.50% · 4.625%
HK$311,308
+HK$17,856/mo
Deposit HK$25.95M · loan HK$60.55M · min. income ≈ HK$586,904/mo (50% DSR)
Upfront cash ≈ HK$29.63M (deposit + AVD stamp duty HK$3,676,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,199
−HK$16,597/mo
▼ 0.25% · 3.875%
HK$315,438
−HK$8,358/mo
Today · 4.125%
HK$323,796
baseline
▲ 0.50% · 4.625%
HK$340,863
+HK$17,067/mo
Deposit HK$25.95M · loan HK$60.55M · min. income ≈ HK$647,592/mo (50% DSR)
Upfront cash ≈ HK$29.63M (deposit + AVD stamp duty HK$3,676,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$355,032
−HK$22,264/mo
▼ 0.25% · 3.875%
HK$366,076
−HK$11,220/mo
Today · 4.125%
HK$377,296
baseline
▲ 0.50% · 4.625%
HK$400,253
+HK$22,957/mo
Deposit HK$8.65M · loan HK$77.85M · min. income ≈ HK$754,592/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$3,676,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$394,970
−HK$21,339/mo
▼ 0.25% · 3.875%
HK$405,563
−HK$10,746/mo
Today · 4.125%
HK$416,309
baseline
▲ 0.50% · 4.625%
HK$438,253
+HK$21,944/mo
Deposit HK$8.65M · loan HK$77.85M · min. income ≈ HK$832,618/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$3,676,213 · Scale 2, in force from 26 Feb 2026)