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$146,857
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$151,425
−HK$4,641/mo
Today · 4.125%
HK$156,066
baseline
▲ 0.50% · 4.625%
HK$165,563
+HK$9,497/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$312,132/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,737,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,377
−HK$8,827/mo
▼ 0.25% · 3.875%
HK$167,759
−HK$4,445/mo
Today · 4.125%
HK$172,204
baseline
▲ 0.50% · 4.625%
HK$181,281
+HK$9,077/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$344,408/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,737,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,229
−HK$11,051/mo
▼ 0.25% · 3.875%
HK$181,710
−HK$5,570/mo
Today · 4.125%
HK$187,280
baseline
▲ 0.50% · 4.625%
HK$198,675
+HK$11,395/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$374,560/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,737,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,053
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,311
−HK$5,334/mo
Today · 4.125%
HK$206,645
baseline
▲ 0.50% · 4.625%
HK$217,537
+HK$10,892/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$413,290/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,737,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,600
−HK$12,893/mo
▼ 0.25% · 3.875%
HK$211,995
−HK$6,498/mo
Today · 4.125%
HK$218,493
baseline
▲ 0.50% · 4.625%
HK$231,788
+HK$13,295/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$436,986/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,728
−HK$12,358/mo
▼ 0.25% · 3.875%
HK$234,862
−HK$6,224/mo
Today · 4.125%
HK$241,086
baseline
▲ 0.50% · 4.625%
HK$253,793
+HK$12,707/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$482,172/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,343
−HK$16,577/mo
▼ 0.25% · 3.875%
HK$272,566
−HK$8,354/mo
Today · 4.125%
HK$280,920
baseline
▲ 0.50% · 4.625%
HK$298,013
+HK$17,093/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$561,840/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,079
−HK$15,888/mo
▼ 0.25% · 3.875%
HK$301,966
−HK$8,001/mo
Today · 4.125%
HK$309,967
baseline
▲ 0.50% · 4.625%
HK$326,306
+HK$16,339/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$619,934/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,163 · Scale 2, in force from 26 Feb 2026)