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$159,073
−HK$9,975/mo
▼ 0.25% · 3.875%
HK$164,021
−HK$5,027/mo
Today · 4.125%
HK$169,048
baseline
▲ 0.50% · 4.625%
HK$179,334
+HK$10,286/mo
Deposit HK$34.88M · loan HK$34.88M · min. income ≈ HK$338,096/mo (50% DSR)
Upfront cash ≈ HK$37.85M (deposit + AVD stamp duty HK$2,964,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,967
−HK$9,561/mo
▼ 0.25% · 3.875%
HK$181,713
−HK$4,815/mo
Today · 4.125%
HK$186,528
baseline
▲ 0.50% · 4.625%
HK$196,360
+HK$9,832/mo
Deposit HK$34.88M · loan HK$34.88M · min. income ≈ HK$373,056/mo (50% DSR)
Upfront cash ≈ HK$37.85M (deposit + AVD stamp duty HK$2,964,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,887
−HK$11,970/mo
▼ 0.25% · 3.875%
HK$196,825
−HK$6,032/mo
Today · 4.125%
HK$202,857
baseline
▲ 0.50% · 4.625%
HK$215,201
+HK$12,344/mo
Deposit HK$27.90M · loan HK$41.86M · min. income ≈ HK$405,714/mo (50% DSR)
Upfront cash ≈ HK$30.87M (deposit + AVD stamp duty HK$2,964,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,360
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$218,055
−HK$5,778/mo
Today · 4.125%
HK$223,833
baseline
▲ 0.50% · 4.625%
HK$235,632
+HK$11,799/mo
Deposit HK$27.90M · loan HK$41.86M · min. income ≈ HK$447,666/mo (50% DSR)
Upfront cash ≈ HK$30.87M (deposit + AVD stamp duty HK$2,964,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,702
−HK$13,965/mo
▼ 0.25% · 3.875%
HK$229,629
−HK$7,038/mo
Today · 4.125%
HK$236,667
baseline
▲ 0.50% · 4.625%
HK$251,068
+HK$14,401/mo
Deposit HK$20.93M · loan HK$48.83M · min. income ≈ HK$473,334/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,753
−HK$13,386/mo
▼ 0.25% · 3.875%
HK$254,398
−HK$6,741/mo
Today · 4.125%
HK$261,139
baseline
▲ 0.50% · 4.625%
HK$274,904
+HK$13,765/mo
Deposit HK$20.93M · loan HK$48.83M · min. income ≈ HK$522,278/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,331
−HK$17,955/mo
▼ 0.25% · 3.875%
HK$295,237
−HK$9,049/mo
Today · 4.125%
HK$304,286
baseline
▲ 0.50% · 4.625%
HK$322,801
+HK$18,515/mo
Deposit HK$6.98M · loan HK$62.78M · min. income ≈ HK$608,572/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,540
−HK$17,210/mo
▼ 0.25% · 3.875%
HK$327,083
−HK$8,667/mo
Today · 4.125%
HK$335,750
baseline
▲ 0.50% · 4.625%
HK$353,448
+HK$17,698/mo
Deposit HK$6.98M · loan HK$62.78M · min. income ≈ HK$671,500/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,836 · Scale 2, in force from 26 Feb 2026)