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$140,110
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$144,469
−HK$4,427/mo
Today · 4.125%
HK$148,896
baseline
▲ 0.50% · 4.625%
HK$157,956
+HK$9,060/mo
Deposit HK$30.72M · loan HK$30.72M · min. income ≈ HK$297,792/mo (50% DSR)
Upfront cash ≈ HK$33.33M (deposit + AVD stamp duty HK$2,611,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,871
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$160,052
−HK$4,241/mo
Today · 4.125%
HK$164,293
baseline
▲ 0.50% · 4.625%
HK$172,953
+HK$8,660/mo
Deposit HK$30.72M · loan HK$30.72M · min. income ≈ HK$328,586/mo (50% DSR)
Upfront cash ≈ HK$33.33M (deposit + AVD stamp duty HK$2,611,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,132
−HK$10,544/mo
▼ 0.25% · 3.875%
HK$173,362
−HK$5,314/mo
Today · 4.125%
HK$178,676
baseline
▲ 0.50% · 4.625%
HK$189,548
+HK$10,872/mo
Deposit HK$24.58M · loan HK$36.87M · min. income ≈ HK$357,352/mo (50% DSR)
Upfront cash ≈ HK$27.19M (deposit + AVD stamp duty HK$2,611,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,046
−HK$10,105/mo
▼ 0.25% · 3.875%
HK$192,062
−HK$5,089/mo
Today · 4.125%
HK$197,151
baseline
▲ 0.50% · 4.625%
HK$207,543
+HK$10,392/mo
Deposit HK$24.58M · loan HK$36.87M · min. income ≈ HK$394,302/mo (50% DSR)
Upfront cash ≈ HK$27.19M (deposit + AVD stamp duty HK$2,611,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,154
−HK$12,301/mo
▼ 0.25% · 3.875%
HK$202,256
−HK$6,199/mo
Today · 4.125%
HK$208,455
baseline
▲ 0.50% · 4.625%
HK$221,139
+HK$12,684/mo
Deposit HK$18.43M · loan HK$43.01M · min. income ≈ HK$416,910/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,611,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,220
−HK$11,790/mo
▼ 0.25% · 3.875%
HK$224,072
−HK$5,938/mo
Today · 4.125%
HK$230,010
baseline
▲ 0.50% · 4.625%
HK$242,134
+HK$12,124/mo
Deposit HK$18.43M · loan HK$43.01M · min. income ≈ HK$460,020/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,611,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,199
−HK$15,815/mo
▼ 0.25% · 3.875%
HK$260,043
−HK$7,971/mo
Today · 4.125%
HK$268,014
baseline
▲ 0.50% · 4.625%
HK$284,322
+HK$16,308/mo
Deposit HK$6.14M · loan HK$55.30M · min. income ≈ HK$536,028/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,611,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,568
−HK$15,159/mo
▼ 0.25% · 3.875%
HK$288,093
−HK$7,634/mo
Today · 4.125%
HK$295,727
baseline
▲ 0.50% · 4.625%
HK$311,315
+HK$15,588/mo
Deposit HK$6.14M · loan HK$55.30M · min. income ≈ HK$591,454/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,611,412 · Scale 2, in force from 26 Feb 2026)