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$169,466
−HK$10,627/mo
▼ 0.25% · 3.875%
HK$174,737
−HK$5,356/mo
Today · 4.125%
HK$180,093
baseline
▲ 0.50% · 4.625%
HK$191,051
+HK$10,958/mo
Deposit HK$37.16M · loan HK$37.16M · min. income ≈ HK$360,186/mo (50% DSR)
Upfront cash ≈ HK$40.32M (deposit + AVD stamp duty HK$3,158,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,529
−HK$10,185/mo
▼ 0.25% · 3.875%
HK$193,585
−HK$5,129/mo
Today · 4.125%
HK$198,714
baseline
▲ 0.50% · 4.625%
HK$209,189
+HK$10,475/mo
Deposit HK$37.16M · loan HK$37.16M · min. income ≈ HK$397,428/mo (50% DSR)
Upfront cash ≈ HK$40.32M (deposit + AVD stamp duty HK$3,158,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,359
−HK$12,752/mo
▼ 0.25% · 3.875%
HK$209,684
−HK$6,427/mo
Today · 4.125%
HK$216,111
baseline
▲ 0.50% · 4.625%
HK$229,261
+HK$13,150/mo
Deposit HK$29.73M · loan HK$44.59M · min. income ≈ HK$432,222/mo (50% DSR)
Upfront cash ≈ HK$32.89M (deposit + AVD stamp duty HK$3,158,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,234
−HK$12,223/mo
▼ 0.25% · 3.875%
HK$232,302
−HK$6,155/mo
Today · 4.125%
HK$238,457
baseline
▲ 0.50% · 4.625%
HK$251,027
+HK$12,570/mo
Deposit HK$29.73M · loan HK$44.59M · min. income ≈ HK$476,914/mo (50% DSR)
Upfront cash ≈ HK$32.89M (deposit + AVD stamp duty HK$3,158,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,252
−HK$14,878/mo
▼ 0.25% · 3.875%
HK$244,632
−HK$7,498/mo
Today · 4.125%
HK$252,130
baseline
▲ 0.50% · 4.625%
HK$267,471
+HK$15,341/mo
Deposit HK$22.30M · loan HK$52.02M · min. income ≈ HK$504,260/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$3,158,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,940
−HK$14,260/mo
▼ 0.25% · 3.875%
HK$271,019
−HK$7,181/mo
Today · 4.125%
HK$278,200
baseline
▲ 0.50% · 4.625%
HK$292,864
+HK$14,664/mo
Deposit HK$22.30M · loan HK$52.02M · min. income ≈ HK$556,400/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$3,158,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,038
−HK$19,129/mo
▼ 0.25% · 3.875%
HK$314,526
−HK$9,641/mo
Today · 4.125%
HK$324,167
baseline
▲ 0.50% · 4.625%
HK$343,891
+HK$19,724/mo
Deposit HK$7.43M · loan HK$66.89M · min. income ≈ HK$648,334/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$3,158,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$339,352
−HK$18,334/mo
▼ 0.25% · 3.875%
HK$348,453
−HK$9,233/mo
Today · 4.125%
HK$357,686
baseline
▲ 0.50% · 4.625%
HK$376,540
+HK$18,854/mo
Deposit HK$7.43M · loan HK$66.89M · min. income ≈ HK$715,372/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$3,158,543 · Scale 2, in force from 26 Feb 2026)