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$145,414
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$149,937
−HK$4,595/mo
Today · 4.125%
HK$154,532
baseline
▲ 0.50% · 4.625%
HK$163,935
+HK$9,403/mo
Deposit HK$31.89M · loan HK$31.89M · min. income ≈ HK$309,064/mo (50% DSR)
Upfront cash ≈ HK$34.60M (deposit + AVD stamp duty HK$2,710,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,771
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$166,110
−HK$4,401/mo
Today · 4.125%
HK$170,511
baseline
▲ 0.50% · 4.625%
HK$179,499
+HK$8,988/mo
Deposit HK$31.89M · loan HK$31.89M · min. income ≈ HK$341,022/mo (50% DSR)
Upfront cash ≈ HK$34.60M (deposit + AVD stamp duty HK$2,710,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,496
−HK$10,943/mo
▼ 0.25% · 3.875%
HK$179,924
−HK$5,515/mo
Today · 4.125%
HK$185,439
baseline
▲ 0.50% · 4.625%
HK$196,722
+HK$11,283/mo
Deposit HK$25.51M · loan HK$38.26M · min. income ≈ HK$370,878/mo (50% DSR)
Upfront cash ≈ HK$28.22M (deposit + AVD stamp duty HK$2,710,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,125
−HK$10,488/mo
▼ 0.25% · 3.875%
HK$199,332
−HK$5,281/mo
Today · 4.125%
HK$204,613
baseline
▲ 0.50% · 4.625%
HK$215,399
+HK$10,786/mo
Deposit HK$25.51M · loan HK$38.26M · min. income ≈ HK$409,226/mo (50% DSR)
Upfront cash ≈ HK$28.22M (deposit + AVD stamp duty HK$2,710,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,579
−HK$12,766/mo
▼ 0.25% · 3.875%
HK$209,911
−HK$6,434/mo
Today · 4.125%
HK$216,345
baseline
▲ 0.50% · 4.625%
HK$229,509
+HK$13,164/mo
Deposit HK$19.13M · loan HK$44.64M · min. income ≈ HK$432,690/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,710,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,480
−HK$12,236/mo
▼ 0.25% · 3.875%
HK$232,554
−HK$6,162/mo
Today · 4.125%
HK$238,716
baseline
▲ 0.50% · 4.625%
HK$251,299
+HK$12,583/mo
Deposit HK$19.13M · loan HK$44.64M · min. income ≈ HK$477,432/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,710,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,744
−HK$16,414/mo
▼ 0.25% · 3.875%
HK$269,886
−HK$8,272/mo
Today · 4.125%
HK$278,158
baseline
▲ 0.50% · 4.625%
HK$295,083
+HK$16,925/mo
Deposit HK$6.38M · loan HK$57.39M · min. income ≈ HK$556,316/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,710,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,188
−HK$15,732/mo
▼ 0.25% · 3.875%
HK$298,997
−HK$7,923/mo
Today · 4.125%
HK$306,920
baseline
▲ 0.50% · 4.625%
HK$323,098
+HK$16,178/mo
Deposit HK$6.38M · loan HK$57.39M · min. income ≈ HK$613,840/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,710,255 · Scale 2, in force from 26 Feb 2026)