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$142,316
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$146,743
−HK$4,498/mo
Today · 4.125%
HK$151,241
baseline
▲ 0.50% · 4.625%
HK$160,443
+HK$9,202/mo
Deposit HK$31.21M · loan HK$31.21M · min. income ≈ HK$302,482/mo (50% DSR)
Upfront cash ≈ HK$33.86M (deposit + AVD stamp duty HK$2,652,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,325
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$162,571
−HK$4,308/mo
Today · 4.125%
HK$166,879
baseline
▲ 0.50% · 4.625%
HK$175,676
+HK$8,797/mo
Deposit HK$31.21M · loan HK$31.21M · min. income ≈ HK$333,758/mo (50% DSR)
Upfront cash ≈ HK$33.86M (deposit + AVD stamp duty HK$2,652,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,779
−HK$10,710/mo
▼ 0.25% · 3.875%
HK$176,092
−HK$5,397/mo
Today · 4.125%
HK$181,489
baseline
▲ 0.50% · 4.625%
HK$192,532
+HK$11,043/mo
Deposit HK$24.96M · loan HK$37.45M · min. income ≈ HK$362,978/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$2,652,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,990
−HK$10,265/mo
▼ 0.25% · 3.875%
HK$195,086
−HK$5,169/mo
Today · 4.125%
HK$200,255
baseline
▲ 0.50% · 4.625%
HK$210,811
+HK$10,556/mo
Deposit HK$24.96M · loan HK$37.45M · min. income ≈ HK$400,510/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$2,652,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,243
−HK$12,494/mo
▼ 0.25% · 3.875%
HK$205,440
−HK$6,297/mo
Today · 4.125%
HK$211,737
baseline
▲ 0.50% · 4.625%
HK$224,621
+HK$12,884/mo
Deposit HK$18.72M · loan HK$43.69M · min. income ≈ HK$423,474/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,652,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,655
−HK$11,976/mo
▼ 0.25% · 3.875%
HK$227,600
−HK$6,031/mo
Today · 4.125%
HK$233,631
baseline
▲ 0.50% · 4.625%
HK$245,946
+HK$12,315/mo
Deposit HK$18.72M · loan HK$43.69M · min. income ≈ HK$467,262/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,652,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,169
−HK$16,064/mo
▼ 0.25% · 3.875%
HK$264,137
−HK$8,096/mo
Today · 4.125%
HK$272,233
baseline
▲ 0.50% · 4.625%
HK$288,798
+HK$16,565/mo
Deposit HK$6.24M · loan HK$56.17M · min. income ≈ HK$544,466/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,652,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,985
−HK$15,397/mo
▼ 0.25% · 3.875%
HK$292,629
−HK$7,753/mo
Today · 4.125%
HK$300,382
baseline
▲ 0.50% · 4.625%
HK$316,216
+HK$15,834/mo
Deposit HK$6.24M · loan HK$56.17M · min. income ≈ HK$600,764/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,652,524 · Scale 2, in force from 26 Feb 2026)