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$159,642
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$164,607
−HK$5,046/mo
Today · 4.125%
HK$169,653
baseline
▲ 0.50% · 4.625%
HK$179,976
+HK$10,323/mo
Deposit HK$35.01M · loan HK$35.01M · min. income ≈ HK$339,306/mo (50% DSR)
Upfront cash ≈ HK$37.98M (deposit + AVD stamp duty HK$2,975,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,600
−HK$9,595/mo
▼ 0.25% · 3.875%
HK$182,363
−HK$4,832/mo
Today · 4.125%
HK$187,195
baseline
▲ 0.50% · 4.625%
HK$197,062
+HK$9,867/mo
Deposit HK$35.01M · loan HK$35.01M · min. income ≈ HK$374,390/mo (50% DSR)
Upfront cash ≈ HK$37.98M (deposit + AVD stamp duty HK$2,975,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,570
−HK$12,013/mo
▼ 0.25% · 3.875%
HK$197,529
−HK$6,054/mo
Today · 4.125%
HK$203,583
baseline
▲ 0.50% · 4.625%
HK$215,971
+HK$12,388/mo
Deposit HK$28.00M · loan HK$42.01M · min. income ≈ HK$407,166/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,975,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,120
−HK$11,514/mo
▼ 0.25% · 3.875%
HK$218,835
−HK$5,799/mo
Today · 4.125%
HK$224,634
baseline
▲ 0.50% · 4.625%
HK$236,475
+HK$11,841/mo
Deposit HK$28.00M · loan HK$42.01M · min. income ≈ HK$449,268/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,975,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,498
−HK$14,016/mo
▼ 0.25% · 3.875%
HK$230,450
−HK$7,064/mo
Today · 4.125%
HK$237,514
baseline
▲ 0.50% · 4.625%
HK$251,966
+HK$14,452/mo
Deposit HK$21.00M · loan HK$49.01M · min. income ≈ HK$475,028/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$2,975,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,640
−HK$13,433/mo
▼ 0.25% · 3.875%
HK$255,308
−HK$6,765/mo
Today · 4.125%
HK$262,073
baseline
▲ 0.50% · 4.625%
HK$275,887
+HK$13,814/mo
Deposit HK$21.00M · loan HK$49.01M · min. income ≈ HK$524,146/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$2,975,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,355
−HK$18,020/mo
▼ 0.25% · 3.875%
HK$296,293
−HK$9,082/mo
Today · 4.125%
HK$305,375
baseline
▲ 0.50% · 4.625%
HK$323,956
+HK$18,581/mo
Deposit HK$7.00M · loan HK$63.01M · min. income ≈ HK$610,750/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$2,975,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,679
−HK$17,272/mo
▼ 0.25% · 3.875%
HK$328,253
−HK$8,698/mo
Today · 4.125%
HK$336,951
baseline
▲ 0.50% · 4.625%
HK$354,712
+HK$17,761/mo
Deposit HK$7.00M · loan HK$63.01M · min. income ≈ HK$673,902/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$2,975,441 · Scale 2, in force from 26 Feb 2026)