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$130,446
−HK$8,180/mo
▼ 0.25% · 3.875%
HK$134,503
−HK$4,123/mo
Today · 4.125%
HK$138,626
baseline
▲ 0.50% · 4.625%
HK$147,061
+HK$8,435/mo
Deposit HK$28.60M · loan HK$28.60M · min. income ≈ HK$277,252/mo (50% DSR)
Upfront cash ≈ HK$31.03M (deposit + AVD stamp duty HK$2,431,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,120
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$149,012
−HK$3,948/mo
Today · 4.125%
HK$152,960
baseline
▲ 0.50% · 4.625%
HK$161,023
+HK$8,063/mo
Deposit HK$28.60M · loan HK$28.60M · min. income ≈ HK$305,920/mo (50% DSR)
Upfront cash ≈ HK$31.03M (deposit + AVD stamp duty HK$2,431,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,535
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$161,404
−HK$4,947/mo
Today · 4.125%
HK$166,351
baseline
▲ 0.50% · 4.625%
HK$176,473
+HK$10,122/mo
Deposit HK$22.88M · loan HK$34.32M · min. income ≈ HK$332,702/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$2,431,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,143
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$178,814
−HK$4,738/mo
Today · 4.125%
HK$183,552
baseline
▲ 0.50% · 4.625%
HK$193,227
+HK$9,675/mo
Deposit HK$22.88M · loan HK$34.32M · min. income ≈ HK$367,104/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$2,431,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,624
−HK$11,452/mo
▼ 0.25% · 3.875%
HK$188,305
−HK$5,771/mo
Today · 4.125%
HK$194,076
baseline
▲ 0.50% · 4.625%
HK$205,885
+HK$11,809/mo
Deposit HK$17.16M · loan HK$40.04M · min. income ≈ HK$388,152/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$2,431,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,167
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$208,616
−HK$5,528/mo
Today · 4.125%
HK$214,144
baseline
▲ 0.50% · 4.625%
HK$225,432
+HK$11,288/mo
Deposit HK$17.16M · loan HK$40.04M · min. income ≈ HK$428,288/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$2,431,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,802
−HK$14,724/mo
▼ 0.25% · 3.875%
HK$242,106
−HK$7,420/mo
Today · 4.125%
HK$249,526
baseline
▲ 0.50% · 4.625%
HK$264,710
+HK$15,184/mo
Deposit HK$5.72M · loan HK$51.49M · min. income ≈ HK$499,052/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$2,431,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,215
−HK$14,113/mo
▼ 0.25% · 3.875%
HK$268,221
−HK$7,107/mo
Today · 4.125%
HK$275,328
baseline
▲ 0.50% · 4.625%
HK$289,841
+HK$14,513/mo
Deposit HK$5.72M · loan HK$51.49M · min. income ≈ HK$550,656/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$2,431,281 · Scale 2, in force from 26 Feb 2026)