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$137,225
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$141,493
−HK$4,337/mo
Today · 4.125%
HK$145,830
baseline
▲ 0.50% · 4.625%
HK$154,703
+HK$8,873/mo
Deposit HK$30.09M · loan HK$30.09M · min. income ≈ HK$291,660/mo (50% DSR)
Upfront cash ≈ HK$32.65M (deposit + AVD stamp duty HK$2,557,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,661
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$156,755
−HK$4,154/mo
Today · 4.125%
HK$160,909
baseline
▲ 0.50% · 4.625%
HK$169,391
+HK$8,482/mo
Deposit HK$30.09M · loan HK$30.09M · min. income ≈ HK$321,818/mo (50% DSR)
Upfront cash ≈ HK$32.65M (deposit + AVD stamp duty HK$2,557,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,670
−HK$10,326/mo
▼ 0.25% · 3.875%
HK$169,792
−HK$5,204/mo
Today · 4.125%
HK$174,996
baseline
▲ 0.50% · 4.625%
HK$185,644
+HK$10,648/mo
Deposit HK$24.07M · loan HK$36.11M · min. income ≈ HK$349,992/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,557,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,193
−HK$9,898/mo
▼ 0.25% · 3.875%
HK$188,107
−HK$4,984/mo
Today · 4.125%
HK$193,091
baseline
▲ 0.50% · 4.625%
HK$203,269
+HK$10,178/mo
Deposit HK$24.07M · loan HK$36.11M · min. income ≈ HK$386,182/mo (50% DSR)
Upfront cash ≈ HK$26.63M (deposit + AVD stamp duty HK$2,557,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,115
−HK$12,047/mo
▼ 0.25% · 3.875%
HK$198,091
−HK$6,071/mo
Today · 4.125%
HK$204,162
baseline
▲ 0.50% · 4.625%
HK$216,585
+HK$12,423/mo
Deposit HK$18.05M · loan HK$42.13M · min. income ≈ HK$408,324/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$2,557,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,726
−HK$11,547/mo
▼ 0.25% · 3.875%
HK$219,458
−HK$5,815/mo
Today · 4.125%
HK$225,273
baseline
▲ 0.50% · 4.625%
HK$237,147
+HK$11,874/mo
Deposit HK$18.05M · loan HK$42.13M · min. income ≈ HK$450,546/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$2,557,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,005
−HK$15,489/mo
▼ 0.25% · 3.875%
HK$254,688
−HK$7,806/mo
Today · 4.125%
HK$262,494
baseline
▲ 0.50% · 4.625%
HK$278,466
+HK$15,972/mo
Deposit HK$6.02M · loan HK$54.16M · min. income ≈ HK$524,988/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$2,557,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,790
−HK$14,846/mo
▼ 0.25% · 3.875%
HK$282,160
−HK$7,476/mo
Today · 4.125%
HK$289,636
baseline
▲ 0.50% · 4.625%
HK$304,903
+HK$15,267/mo
Deposit HK$6.02M · loan HK$54.16M · min. income ≈ HK$579,272/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$2,557,630 · Scale 2, in force from 26 Feb 2026)