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$146,453
−HK$9,184/mo
▼ 0.25% · 3.875%
HK$151,008
−HK$4,629/mo
Today · 4.125%
HK$155,637
baseline
▲ 0.50% · 4.625%
HK$165,107
+HK$9,470/mo
Deposit HK$32.11M · loan HK$32.11M · min. income ≈ HK$311,274/mo (50% DSR)
Upfront cash ≈ HK$34.84M (deposit + AVD stamp duty HK$2,729,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,927
−HK$8,803/mo
▼ 0.25% · 3.875%
HK$167,297
−HK$4,433/mo
Today · 4.125%
HK$171,730
baseline
▲ 0.50% · 4.625%
HK$180,782
+HK$9,052/mo
Deposit HK$32.11M · loan HK$32.11M · min. income ≈ HK$343,460/mo (50% DSR)
Upfront cash ≈ HK$34.84M (deposit + AVD stamp duty HK$2,729,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,743
−HK$11,021/mo
▼ 0.25% · 3.875%
HK$181,210
−HK$5,554/mo
Today · 4.125%
HK$186,764
baseline
▲ 0.50% · 4.625%
HK$198,128
+HK$11,364/mo
Deposit HK$25.69M · loan HK$38.54M · min. income ≈ HK$373,528/mo (50% DSR)
Upfront cash ≈ HK$28.42M (deposit + AVD stamp duty HK$2,729,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,513
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$200,756
−HK$5,320/mo
Today · 4.125%
HK$206,076
baseline
▲ 0.50% · 4.625%
HK$216,938
+HK$10,862/mo
Deposit HK$25.69M · loan HK$38.54M · min. income ≈ HK$412,152/mo (50% DSR)
Upfront cash ≈ HK$28.42M (deposit + AVD stamp duty HK$2,729,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,034
−HK$12,857/mo
▼ 0.25% · 3.875%
HK$211,412
−HK$6,479/mo
Today · 4.125%
HK$217,891
baseline
▲ 0.50% · 4.625%
HK$231,150
+HK$13,259/mo
Deposit HK$19.27M · loan HK$44.96M · min. income ≈ HK$435,782/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$2,729,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,098
−HK$12,324/mo
▼ 0.25% · 3.875%
HK$234,216
−HK$6,206/mo
Today · 4.125%
HK$240,422
baseline
▲ 0.50% · 4.625%
HK$253,095
+HK$12,673/mo
Deposit HK$19.27M · loan HK$44.96M · min. income ≈ HK$480,844/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$2,729,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,615
−HK$16,531/mo
▼ 0.25% · 3.875%
HK$271,815
−HK$8,331/mo
Today · 4.125%
HK$280,146
baseline
▲ 0.50% · 4.625%
HK$297,192
+HK$17,046/mo
Deposit HK$6.42M · loan HK$57.80M · min. income ≈ HK$560,292/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$2,729,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,269
−HK$15,845/mo
▼ 0.25% · 3.875%
HK$301,134
−HK$7,980/mo
Today · 4.125%
HK$309,114
baseline
▲ 0.50% · 4.625%
HK$325,407
+HK$16,293/mo
Deposit HK$6.42M · loan HK$57.80M · min. income ≈ HK$618,228/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$2,729,625 · Scale 2, in force from 26 Feb 2026)