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$251,872
−HK$15,795/mo
▼ 0.25% · 3.875%
HK$259,707
−HK$7,960/mo
Today · 4.125%
HK$267,667
baseline
▲ 0.50% · 4.625%
HK$283,953
+HK$16,286/mo
Deposit HK$55.23M · loan HK$55.23M · min. income ≈ HK$535,334/mo (50% DSR)
Upfront cash ≈ HK$62.41M (deposit + AVD stamp duty HK$7,179,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,205
−HK$15,139/mo
▼ 0.25% · 3.875%
HK$287,720
−HK$7,624/mo
Today · 4.125%
HK$295,344
baseline
▲ 0.50% · 4.625%
HK$310,912
+HK$15,568/mo
Deposit HK$55.23M · loan HK$55.23M · min. income ≈ HK$590,688/mo (50% DSR)
Upfront cash ≈ HK$62.41M (deposit + AVD stamp duty HK$7,179,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,246
−HK$18,954/mo
▼ 0.25% · 3.875%
HK$311,648
−HK$9,552/mo
Today · 4.125%
HK$321,200
baseline
▲ 0.50% · 4.625%
HK$340,744
+HK$19,544/mo
Deposit HK$44.18M · loan HK$66.27M · min. income ≈ HK$642,400/mo (50% DSR)
Upfront cash ≈ HK$51.36M (deposit + AVD stamp duty HK$7,179,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$336,246
−HK$18,166/mo
▼ 0.25% · 3.875%
HK$345,264
−HK$9,148/mo
Today · 4.125%
HK$354,412
baseline
▲ 0.50% · 4.625%
HK$373,094
+HK$18,682/mo
Deposit HK$44.18M · loan HK$66.27M · min. income ≈ HK$708,824/mo (50% DSR)
Upfront cash ≈ HK$51.36M (deposit + AVD stamp duty HK$7,179,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,621
−HK$22,112/mo
▼ 0.25% · 3.875%
HK$363,589
−HK$11,144/mo
Today · 4.125%
HK$374,733
baseline
▲ 0.50% · 4.625%
HK$397,535
+HK$22,802/mo
Deposit HK$33.14M · loan HK$77.32M · min. income ≈ HK$749,466/mo (50% DSR)
Upfront cash ≈ HK$40.32M (deposit + AVD stamp duty HK$7,179,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$392,287
−HK$21,194/mo
▼ 0.25% · 3.875%
HK$402,808
−HK$10,673/mo
Today · 4.125%
HK$413,481
baseline
▲ 0.50% · 4.625%
HK$435,276
+HK$21,795/mo
Deposit HK$33.14M · loan HK$77.32M · min. income ≈ HK$826,962/mo (50% DSR)
Upfront cash ≈ HK$40.32M (deposit + AVD stamp duty HK$7,179,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$453,370
−HK$28,430/mo
▼ 0.25% · 3.875%
HK$467,472
−HK$14,328/mo
Today · 4.125%
HK$481,800
baseline
▲ 0.50% · 4.625%
HK$511,116
+HK$29,316/mo
Deposit HK$11.05M · loan HK$99.41M · min. income ≈ HK$963,600/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$7,179,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$504,369
−HK$27,250/mo
▼ 0.25% · 3.875%
HK$517,896
−HK$13,723/mo
Today · 4.125%
HK$531,619
baseline
▲ 0.50% · 4.625%
HK$559,641
+HK$28,022/mo
Deposit HK$11.05M · loan HK$99.41M · min. income ≈ HK$1,063,238/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$7,179,755 · Scale 2, in force from 26 Feb 2026)