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$133,376
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$137,525
−HK$4,215/mo
Today · 4.125%
HK$141,740
baseline
▲ 0.50% · 4.625%
HK$150,364
+HK$8,624/mo
Deposit HK$29.25M · loan HK$29.25M · min. income ≈ HK$283,480/mo (50% DSR)
Upfront cash ≈ HK$31.73M (deposit + AVD stamp duty HK$2,485,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,379
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$152,359
−HK$4,037/mo
Today · 4.125%
HK$156,396
baseline
▲ 0.50% · 4.625%
HK$164,640
+HK$8,244/mo
Deposit HK$29.25M · loan HK$29.25M · min. income ≈ HK$312,792/mo (50% DSR)
Upfront cash ≈ HK$31.73M (deposit + AVD stamp duty HK$2,485,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,051
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$165,030
−HK$5,058/mo
Today · 4.125%
HK$170,088
baseline
▲ 0.50% · 4.625%
HK$180,437
+HK$10,349/mo
Deposit HK$23.40M · loan HK$35.09M · min. income ≈ HK$340,176/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,485,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,055
−HK$9,620/mo
▼ 0.25% · 3.875%
HK$182,831
−HK$4,844/mo
Today · 4.125%
HK$187,675
baseline
▲ 0.50% · 4.625%
HK$197,568
+HK$9,893/mo
Deposit HK$23.40M · loan HK$35.09M · min. income ≈ HK$375,350/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,485,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,726
−HK$11,710/mo
▼ 0.25% · 3.875%
HK$192,535
−HK$5,901/mo
Today · 4.125%
HK$198,436
baseline
▲ 0.50% · 4.625%
HK$210,510
+HK$12,074/mo
Deposit HK$17.55M · loan HK$40.94M · min. income ≈ HK$396,872/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$2,485,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,731
−HK$11,223/mo
▼ 0.25% · 3.875%
HK$213,302
−HK$5,652/mo
Today · 4.125%
HK$218,954
baseline
▲ 0.50% · 4.625%
HK$230,496
+HK$11,542/mo
Deposit HK$17.55M · loan HK$40.94M · min. income ≈ HK$437,908/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$2,485,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,077
−HK$15,055/mo
▼ 0.25% · 3.875%
HK$247,544
−HK$7,588/mo
Today · 4.125%
HK$255,132
baseline
▲ 0.50% · 4.625%
HK$270,656
+HK$15,524/mo
Deposit HK$5.85M · loan HK$52.64M · min. income ≈ HK$510,264/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,485,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,083
−HK$14,430/mo
▼ 0.25% · 3.875%
HK$274,246
−HK$7,267/mo
Today · 4.125%
HK$281,513
baseline
▲ 0.50% · 4.625%
HK$296,352
+HK$14,839/mo
Deposit HK$5.85M · loan HK$52.64M · min. income ≈ HK$563,026/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,485,896 · Scale 2, in force from 26 Feb 2026)