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$141,628
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$146,034
−HK$4,475/mo
Today · 4.125%
HK$150,509
baseline
▲ 0.50% · 4.625%
HK$159,668
+HK$9,159/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$301,018/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,639,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,560
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$161,786
−HK$4,286/mo
Today · 4.125%
HK$166,072
baseline
▲ 0.50% · 4.625%
HK$174,826
+HK$8,754/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$332,144/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,639,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,954
−HK$10,657/mo
▼ 0.25% · 3.875%
HK$175,240
−HK$5,371/mo
Today · 4.125%
HK$180,611
baseline
▲ 0.50% · 4.625%
HK$191,601
+HK$10,990/mo
Deposit HK$24.84M · loan HK$37.27M · min. income ≈ HK$361,222/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,639,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,072
−HK$10,215/mo
▼ 0.25% · 3.875%
HK$194,143
−HK$5,144/mo
Today · 4.125%
HK$199,287
baseline
▲ 0.50% · 4.625%
HK$209,791
+HK$10,504/mo
Deposit HK$24.84M · loan HK$37.27M · min. income ≈ HK$398,574/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,639,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,279
−HK$12,434/mo
▼ 0.25% · 3.875%
HK$204,447
−HK$6,266/mo
Today · 4.125%
HK$210,713
baseline
▲ 0.50% · 4.625%
HK$223,535
+HK$12,822/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$421,426/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,584
−HK$11,917/mo
▼ 0.25% · 3.875%
HK$226,500
−HK$6,001/mo
Today · 4.125%
HK$232,501
baseline
▲ 0.50% · 4.625%
HK$244,757
+HK$12,256/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$465,002/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,931
−HK$15,986/mo
▼ 0.25% · 3.875%
HK$262,860
−HK$8,057/mo
Today · 4.125%
HK$270,917
baseline
▲ 0.50% · 4.625%
HK$287,402
+HK$16,485/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$541,834/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,608
−HK$15,322/mo
▼ 0.25% · 3.875%
HK$291,214
−HK$7,716/mo
Today · 4.125%
HK$298,930
baseline
▲ 0.50% · 4.625%
HK$314,687
+HK$15,757/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$597,860/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,701 · Scale 2, in force from 26 Feb 2026)