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$156,715
−HK$9,827/mo
▼ 0.25% · 3.875%
HK$161,590
−HK$4,952/mo
Today · 4.125%
HK$166,542
baseline
▲ 0.50% · 4.625%
HK$176,676
+HK$10,134/mo
Deposit HK$34.36M · loan HK$34.36M · min. income ≈ HK$333,084/mo (50% DSR)
Upfront cash ≈ HK$37.28M (deposit + AVD stamp duty HK$2,920,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,344
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$179,019
−HK$4,744/mo
Today · 4.125%
HK$183,763
baseline
▲ 0.50% · 4.625%
HK$193,449
+HK$9,686/mo
Deposit HK$34.36M · loan HK$34.36M · min. income ≈ HK$367,526/mo (50% DSR)
Upfront cash ≈ HK$37.28M (deposit + AVD stamp duty HK$2,920,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,058
−HK$11,793/mo
▼ 0.25% · 3.875%
HK$193,907
−HK$5,944/mo
Today · 4.125%
HK$199,851
baseline
▲ 0.50% · 4.625%
HK$212,011
+HK$12,160/mo
Deposit HK$27.49M · loan HK$41.24M · min. income ≈ HK$399,702/mo (50% DSR)
Upfront cash ≈ HK$30.41M (deposit + AVD stamp duty HK$2,920,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,212
−HK$11,303/mo
▼ 0.25% · 3.875%
HK$214,823
−HK$5,692/mo
Today · 4.125%
HK$220,515
baseline
▲ 0.50% · 4.625%
HK$232,139
+HK$11,624/mo
Deposit HK$27.49M · loan HK$41.24M · min. income ≈ HK$441,030/mo (50% DSR)
Upfront cash ≈ HK$30.41M (deposit + AVD stamp duty HK$2,920,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,401
−HK$13,758/mo
▼ 0.25% · 3.875%
HK$226,225
−HK$6,934/mo
Today · 4.125%
HK$233,159
baseline
▲ 0.50% · 4.625%
HK$247,346
+HK$14,187/mo
Deposit HK$20.62M · loan HK$48.11M · min. income ≈ HK$466,318/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,920,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,081
−HK$13,187/mo
▼ 0.25% · 3.875%
HK$250,627
−HK$6,641/mo
Today · 4.125%
HK$257,268
baseline
▲ 0.50% · 4.625%
HK$270,829
+HK$13,561/mo
Deposit HK$20.62M · loan HK$48.11M · min. income ≈ HK$514,536/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,920,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,087
−HK$17,689/mo
▼ 0.25% · 3.875%
HK$290,861
−HK$8,915/mo
Today · 4.125%
HK$299,776
baseline
▲ 0.50% · 4.625%
HK$318,017
+HK$18,241/mo
Deposit HK$6.87M · loan HK$61.85M · min. income ≈ HK$599,552/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$2,920,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,819
−HK$16,954/mo
▼ 0.25% · 3.875%
HK$322,235
−HK$8,538/mo
Today · 4.125%
HK$330,773
baseline
▲ 0.50% · 4.625%
HK$348,209
+HK$17,436/mo
Deposit HK$6.87M · loan HK$61.85M · min. income ≈ HK$661,546/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$2,920,891 · Scale 2, in force from 26 Feb 2026)