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$134,116
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$138,288
−HK$4,238/mo
Today · 4.125%
HK$142,526
baseline
▲ 0.50% · 4.625%
HK$151,199
+HK$8,673/mo
Deposit HK$29.41M · loan HK$29.41M · min. income ≈ HK$285,052/mo (50% DSR)
Upfront cash ≈ HK$31.91M (deposit + AVD stamp duty HK$2,499,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,203
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,204
−HK$4,060/mo
Today · 4.125%
HK$157,264
baseline
▲ 0.50% · 4.625%
HK$165,553
+HK$8,289/mo
Deposit HK$29.41M · loan HK$29.41M · min. income ≈ HK$314,528/mo (50% DSR)
Upfront cash ≈ HK$31.91M (deposit + AVD stamp duty HK$2,499,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,939
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$165,946
−HK$5,086/mo
Today · 4.125%
HK$171,032
baseline
▲ 0.50% · 4.625%
HK$181,439
+HK$10,407/mo
Deposit HK$23.53M · loan HK$35.29M · min. income ≈ HK$342,064/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,499,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,043
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$183,845
−HK$4,872/mo
Today · 4.125%
HK$188,717
baseline
▲ 0.50% · 4.625%
HK$198,664
+HK$9,947/mo
Deposit HK$23.53M · loan HK$35.29M · min. income ≈ HK$377,434/mo (50% DSR)
Upfront cash ≈ HK$26.03M (deposit + AVD stamp duty HK$2,499,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,763
−HK$11,774/mo
▼ 0.25% · 3.875%
HK$193,603
−HK$5,934/mo
Today · 4.125%
HK$199,537
baseline
▲ 0.50% · 4.625%
HK$211,678
+HK$12,141/mo
Deposit HK$17.64M · loan HK$41.17M · min. income ≈ HK$399,074/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$2,499,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,884
−HK$11,285/mo
▼ 0.25% · 3.875%
HK$214,486
−HK$5,683/mo
Today · 4.125%
HK$220,169
baseline
▲ 0.50% · 4.625%
HK$231,775
+HK$11,606/mo
Deposit HK$17.64M · loan HK$41.17M · min. income ≈ HK$440,338/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$2,499,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,409
−HK$15,139/mo
▼ 0.25% · 3.875%
HK$248,918
−HK$7,630/mo
Today · 4.125%
HK$256,548
baseline
▲ 0.50% · 4.625%
HK$272,158
+HK$15,610/mo
Deposit HK$5.88M · loan HK$52.93M · min. income ≈ HK$513,096/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$2,499,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,565
−HK$14,510/mo
▼ 0.25% · 3.875%
HK$275,768
−HK$7,307/mo
Today · 4.125%
HK$283,075
baseline
▲ 0.50% · 4.625%
HK$297,996
+HK$14,921/mo
Deposit HK$5.88M · loan HK$52.93M · min. income ≈ HK$566,150/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$2,499,692 · Scale 2, in force from 26 Feb 2026)