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$158,493
−HK$9,939/mo
▼ 0.25% · 3.875%
HK$163,423
−HK$5,009/mo
Today · 4.125%
HK$168,432
baseline
▲ 0.50% · 4.625%
HK$178,681
+HK$10,249/mo
Deposit HK$34.75M · loan HK$34.75M · min. income ≈ HK$336,864/mo (50% DSR)
Upfront cash ≈ HK$37.71M (deposit + AVD stamp duty HK$2,954,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,322
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$181,051
−HK$4,797/mo
Today · 4.125%
HK$185,848
baseline
▲ 0.50% · 4.625%
HK$195,644
+HK$9,796/mo
Deposit HK$34.75M · loan HK$34.75M · min. income ≈ HK$371,696/mo (50% DSR)
Upfront cash ≈ HK$37.71M (deposit + AVD stamp duty HK$2,954,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,192
−HK$11,926/mo
▼ 0.25% · 3.875%
HK$196,108
−HK$6,010/mo
Today · 4.125%
HK$202,118
baseline
▲ 0.50% · 4.625%
HK$214,417
+HK$12,299/mo
Deposit HK$27.80M · loan HK$41.70M · min. income ≈ HK$404,236/mo (50% DSR)
Upfront cash ≈ HK$30.76M (deposit + AVD stamp duty HK$2,954,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,586
−HK$11,432/mo
▼ 0.25% · 3.875%
HK$217,261
−HK$5,757/mo
Today · 4.125%
HK$223,018
baseline
▲ 0.50% · 4.625%
HK$234,773
+HK$11,755/mo
Deposit HK$27.80M · loan HK$41.70M · min. income ≈ HK$446,036/mo (50% DSR)
Upfront cash ≈ HK$30.76M (deposit + AVD stamp duty HK$2,954,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,890
−HK$13,915/mo
▼ 0.25% · 3.875%
HK$228,792
−HK$7,013/mo
Today · 4.125%
HK$235,805
baseline
▲ 0.50% · 4.625%
HK$250,153
+HK$14,348/mo
Deposit HK$20.85M · loan HK$48.65M · min. income ≈ HK$471,610/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,954,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,851
−HK$13,336/mo
▼ 0.25% · 3.875%
HK$253,471
−HK$6,716/mo
Today · 4.125%
HK$260,187
baseline
▲ 0.50% · 4.625%
HK$273,902
+HK$13,715/mo
Deposit HK$20.85M · loan HK$48.65M · min. income ≈ HK$520,374/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,954,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,287
−HK$17,891/mo
▼ 0.25% · 3.875%
HK$294,162
−HK$9,016/mo
Today · 4.125%
HK$303,178
baseline
▲ 0.50% · 4.625%
HK$321,625
+HK$18,447/mo
Deposit HK$6.95M · loan HK$62.56M · min. income ≈ HK$606,356/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,954,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,379
−HK$17,147/mo
▼ 0.25% · 3.875%
HK$325,891
−HK$8,635/mo
Today · 4.125%
HK$334,526
baseline
▲ 0.50% · 4.625%
HK$352,160
+HK$17,634/mo
Deposit HK$6.95M · loan HK$62.56M · min. income ≈ HK$669,052/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,954,034 · Scale 2, in force from 26 Feb 2026)