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$173,758
−HK$10,897/mo
▼ 0.25% · 3.875%
HK$179,163
−HK$5,492/mo
Today · 4.125%
HK$184,655
baseline
▲ 0.50% · 4.625%
HK$195,890
+HK$11,235/mo
Deposit HK$38.10M · loan HK$38.10M · min. income ≈ HK$369,310/mo (50% DSR)
Upfront cash ≈ HK$41.34M (deposit + AVD stamp duty HK$3,238,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,305
−HK$10,443/mo
▼ 0.25% · 3.875%
HK$198,489
−HK$5,259/mo
Today · 4.125%
HK$203,748
baseline
▲ 0.50% · 4.625%
HK$214,488
+HK$10,740/mo
Deposit HK$38.10M · loan HK$38.10M · min. income ≈ HK$407,496/mo (50% DSR)
Upfront cash ≈ HK$41.34M (deposit + AVD stamp duty HK$3,238,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,510
−HK$13,076/mo
▼ 0.25% · 3.875%
HK$214,996
−HK$6,590/mo
Today · 4.125%
HK$221,586
baseline
▲ 0.50% · 4.625%
HK$235,069
+HK$13,483/mo
Deposit HK$30.48M · loan HK$45.72M · min. income ≈ HK$443,172/mo (50% DSR)
Upfront cash ≈ HK$33.72M (deposit + AVD stamp duty HK$3,238,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,965
−HK$12,533/mo
▼ 0.25% · 3.875%
HK$238,187
−HK$6,311/mo
Today · 4.125%
HK$244,498
baseline
▲ 0.50% · 4.625%
HK$257,386
+HK$12,888/mo
Deposit HK$30.48M · loan HK$45.72M · min. income ≈ HK$488,996/mo (50% DSR)
Upfront cash ≈ HK$33.72M (deposit + AVD stamp duty HK$3,238,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,262
−HK$15,255/mo
▼ 0.25% · 3.875%
HK$250,829
−HK$7,688/mo
Today · 4.125%
HK$258,517
baseline
▲ 0.50% · 4.625%
HK$274,247
+HK$15,730/mo
Deposit HK$22.86M · loan HK$53.34M · min. income ≈ HK$517,034/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$3,238,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,626
−HK$14,621/mo
▼ 0.25% · 3.875%
HK$277,884
−HK$7,363/mo
Today · 4.125%
HK$285,247
baseline
▲ 0.50% · 4.625%
HK$300,283
+HK$15,036/mo
Deposit HK$22.86M · loan HK$53.34M · min. income ≈ HK$570,494/mo (50% DSR)
Upfront cash ≈ HK$26.10M (deposit + AVD stamp duty HK$3,238,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,765
−HK$19,613/mo
▼ 0.25% · 3.875%
HK$322,494
−HK$9,884/mo
Today · 4.125%
HK$332,378
baseline
▲ 0.50% · 4.625%
HK$352,603
+HK$20,225/mo
Deposit HK$7.62M · loan HK$68.58M · min. income ≈ HK$664,756/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$3,238,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$347,948
−HK$18,799/mo
▼ 0.25% · 3.875%
HK$357,280
−HK$9,467/mo
Today · 4.125%
HK$366,747
baseline
▲ 0.50% · 4.625%
HK$386,078
+HK$19,331/mo
Deposit HK$7.62M · loan HK$68.58M · min. income ≈ HK$733,494/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$3,238,555 · Scale 2, in force from 26 Feb 2026)