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$133,068
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$137,207
−HK$4,205/mo
Today · 4.125%
HK$141,412
baseline
▲ 0.50% · 4.625%
HK$150,017
+HK$8,605/mo
Deposit HK$29.18M · loan HK$29.18M · min. income ≈ HK$282,824/mo (50% DSR)
Upfront cash ≈ HK$31.66M (deposit + AVD stamp duty HK$2,480,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,037
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$152,007
−HK$4,028/mo
Today · 4.125%
HK$156,035
baseline
▲ 0.50% · 4.625%
HK$164,260
+HK$8,225/mo
Deposit HK$29.18M · loan HK$29.18M · min. income ≈ HK$312,070/mo (50% DSR)
Upfront cash ≈ HK$31.66M (deposit + AVD stamp duty HK$2,480,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,682
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$164,649
−HK$5,046/mo
Today · 4.125%
HK$169,695
baseline
▲ 0.50% · 4.625%
HK$180,021
+HK$10,326/mo
Deposit HK$23.34M · loan HK$35.01M · min. income ≈ HK$339,390/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$2,480,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,644
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$182,408
−HK$4,834/mo
Today · 4.125%
HK$187,242
baseline
▲ 0.50% · 4.625%
HK$197,111
+HK$9,869/mo
Deposit HK$23.34M · loan HK$35.01M · min. income ≈ HK$374,484/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$2,480,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,295
−HK$11,682/mo
▼ 0.25% · 3.875%
HK$192,090
−HK$5,887/mo
Today · 4.125%
HK$197,977
baseline
▲ 0.50% · 4.625%
HK$210,024
+HK$12,047/mo
Deposit HK$17.51M · loan HK$40.85M · min. income ≈ HK$395,954/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$2,480,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,251
−HK$11,198/mo
▼ 0.25% · 3.875%
HK$212,810
−HK$5,639/mo
Today · 4.125%
HK$218,449
baseline
▲ 0.50% · 4.625%
HK$229,963
+HK$11,514/mo
Deposit HK$17.51M · loan HK$40.85M · min. income ≈ HK$436,898/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$2,480,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,522
−HK$15,020/mo
▼ 0.25% · 3.875%
HK$246,973
−HK$7,569/mo
Today · 4.125%
HK$254,542
baseline
▲ 0.50% · 4.625%
HK$270,031
+HK$15,489/mo
Deposit HK$5.84M · loan HK$52.52M · min. income ≈ HK$509,084/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,480,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,466
−HK$14,396/mo
▼ 0.25% · 3.875%
HK$273,613
−HK$7,249/mo
Today · 4.125%
HK$280,862
baseline
▲ 0.50% · 4.625%
HK$295,667
+HK$14,805/mo
Deposit HK$5.84M · loan HK$52.52M · min. income ≈ HK$561,724/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,480,155 · Scale 2, in force from 26 Feb 2026)