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$307,979
−HK$19,313/mo
▼ 0.25% · 3.875%
HK$317,559
−HK$9,733/mo
Today · 4.125%
HK$327,292
baseline
▲ 0.50% · 4.625%
HK$347,207
+HK$19,915/mo
Deposit HK$67.53M · loan HK$67.53M · min. income ≈ HK$654,584/mo (50% DSR)
Upfront cash ≈ HK$76.31M (deposit + AVD stamp duty HK$8,779,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$342,624
−HK$18,511/mo
▼ 0.25% · 3.875%
HK$351,813
−HK$9,322/mo
Today · 4.125%
HK$361,135
baseline
▲ 0.50% · 4.625%
HK$380,171
+HK$19,036/mo
Deposit HK$67.53M · loan HK$67.53M · min. income ≈ HK$722,270/mo (50% DSR)
Upfront cash ≈ HK$76.31M (deposit + AVD stamp duty HK$8,779,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$369,575
−HK$23,176/mo
▼ 0.25% · 3.875%
HK$381,071
−HK$11,680/mo
Today · 4.125%
HK$392,751
baseline
▲ 0.50% · 4.625%
HK$416,649
+HK$23,898/mo
Deposit HK$54.03M · loan HK$81.04M · min. income ≈ HK$785,502/mo (50% DSR)
Upfront cash ≈ HK$62.80M (deposit + AVD stamp duty HK$8,779,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$411,149
−HK$22,213/mo
▼ 0.25% · 3.875%
HK$422,176
−HK$11,186/mo
Today · 4.125%
HK$433,362
baseline
▲ 0.50% · 4.625%
HK$456,205
+HK$22,843/mo
Deposit HK$54.03M · loan HK$81.04M · min. income ≈ HK$866,724/mo (50% DSR)
Upfront cash ≈ HK$62.80M (deposit + AVD stamp duty HK$8,779,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$431,171
−HK$27,038/mo
▼ 0.25% · 3.875%
HK$444,583
−HK$13,626/mo
Today · 4.125%
HK$458,209
baseline
▲ 0.50% · 4.625%
HK$486,090
+HK$27,881/mo
Deposit HK$40.52M · loan HK$94.54M · min. income ≈ HK$916,418/mo (50% DSR)
Upfront cash ≈ HK$49.30M (deposit + AVD stamp duty HK$8,779,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$479,674
−HK$25,915/mo
▼ 0.25% · 3.875%
HK$492,538
−HK$13,051/mo
Today · 4.125%
HK$505,589
baseline
▲ 0.50% · 4.625%
HK$532,239
+HK$26,650/mo
Deposit HK$40.52M · loan HK$94.54M · min. income ≈ HK$1,011,178/mo (50% DSR)
Upfront cash ≈ HK$49.30M (deposit + AVD stamp duty HK$8,779,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$554,363
−HK$34,763/mo
▼ 0.25% · 3.875%
HK$571,607
−HK$17,519/mo
Today · 4.125%
HK$589,126
baseline
▲ 0.50% · 4.625%
HK$624,973
+HK$35,847/mo
Deposit HK$13.51M · loan HK$121.56M · min. income ≈ HK$1,178,252/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$8,779,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$616,723
−HK$33,320/mo
▼ 0.25% · 3.875%
HK$633,263
−HK$16,780/mo
Today · 4.125%
HK$650,043
baseline
▲ 0.50% · 4.625%
HK$684,308
+HK$34,265/mo
Deposit HK$13.51M · loan HK$121.56M · min. income ≈ HK$1,300,086/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$8,779,129 · Scale 2, in force from 26 Feb 2026)