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$138,926
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$143,247
−HK$4,391/mo
Today · 4.125%
HK$147,638
baseline
▲ 0.50% · 4.625%
HK$156,621
+HK$8,983/mo
Deposit HK$30.46M · loan HK$30.46M · min. income ≈ HK$295,276/mo (50% DSR)
Upfront cash ≈ HK$33.05M (deposit + AVD stamp duty HK$2,589,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,554
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,699
−HK$4,205/mo
Today · 4.125%
HK$162,904
baseline
▲ 0.50% · 4.625%
HK$171,491
+HK$8,587/mo
Deposit HK$30.46M · loan HK$30.46M · min. income ≈ HK$325,808/mo (50% DSR)
Upfront cash ≈ HK$33.05M (deposit + AVD stamp duty HK$2,589,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,711
−HK$10,454/mo
▼ 0.25% · 3.875%
HK$171,897
−HK$5,268/mo
Today · 4.125%
HK$177,165
baseline
▲ 0.50% · 4.625%
HK$187,946
+HK$10,781/mo
Deposit HK$24.37M · loan HK$36.56M · min. income ≈ HK$354,330/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,589,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,465
−HK$10,020/mo
▼ 0.25% · 3.875%
HK$190,439
−HK$5,046/mo
Today · 4.125%
HK$195,485
baseline
▲ 0.50% · 4.625%
HK$205,789
+HK$10,304/mo
Deposit HK$24.37M · loan HK$36.56M · min. income ≈ HK$390,970/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,589,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,496
−HK$12,197/mo
▼ 0.25% · 3.875%
HK$200,546
−HK$6,147/mo
Today · 4.125%
HK$206,693
baseline
▲ 0.50% · 4.625%
HK$219,270
+HK$12,577/mo
Deposit HK$18.28M · loan HK$42.65M · min. income ≈ HK$413,386/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,589,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,375
−HK$11,690/mo
▼ 0.25% · 3.875%
HK$222,178
−HK$5,887/mo
Today · 4.125%
HK$228,065
baseline
▲ 0.50% · 4.625%
HK$240,087
+HK$12,022/mo
Deposit HK$18.28M · loan HK$42.65M · min. income ≈ HK$456,130/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,589,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,067
−HK$15,681/mo
▼ 0.25% · 3.875%
HK$257,845
−HK$7,903/mo
Today · 4.125%
HK$265,748
baseline
▲ 0.50% · 4.625%
HK$281,918
+HK$16,170/mo
Deposit HK$6.09M · loan HK$54.83M · min. income ≈ HK$531,496/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,589,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,197
−HK$15,030/mo
▼ 0.25% · 3.875%
HK$285,658
−HK$7,569/mo
Today · 4.125%
HK$293,227
baseline
▲ 0.50% · 4.625%
HK$308,683
+HK$15,456/mo
Deposit HK$6.09M · loan HK$54.83M · min. income ≈ HK$586,454/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$2,589,339 · Scale 2, in force from 26 Feb 2026)