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$286,045
−HK$17,938/mo
▼ 0.25% · 3.875%
HK$294,943
−HK$9,040/mo
Today · 4.125%
HK$303,983
baseline
▲ 0.50% · 4.625%
HK$322,479
+HK$18,496/mo
Deposit HK$62.72M · loan HK$62.72M · min. income ≈ HK$607,966/mo (50% DSR)
Upfront cash ≈ HK$70.88M (deposit + AVD stamp duty HK$8,153,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,222
−HK$17,193/mo
▼ 0.25% · 3.875%
HK$326,757
−HK$8,658/mo
Today · 4.125%
HK$335,415
baseline
▲ 0.50% · 4.625%
HK$353,095
+HK$17,680/mo
Deposit HK$62.72M · loan HK$62.72M · min. income ≈ HK$670,830/mo (50% DSR)
Upfront cash ≈ HK$70.88M (deposit + AVD stamp duty HK$8,153,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$343,254
−HK$21,525/mo
▼ 0.25% · 3.875%
HK$353,931
−HK$10,848/mo
Today · 4.125%
HK$364,779
baseline
▲ 0.50% · 4.625%
HK$386,975
+HK$22,196/mo
Deposit HK$50.18M · loan HK$75.27M · min. income ≈ HK$729,558/mo (50% DSR)
Upfront cash ≈ HK$58.33M (deposit + AVD stamp duty HK$8,153,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$381,867
−HK$20,631/mo
▼ 0.25% · 3.875%
HK$392,108
−HK$10,390/mo
Today · 4.125%
HK$402,498
baseline
▲ 0.50% · 4.625%
HK$423,714
+HK$21,216/mo
Deposit HK$50.18M · loan HK$75.27M · min. income ≈ HK$804,996/mo (50% DSR)
Upfront cash ≈ HK$58.33M (deposit + AVD stamp duty HK$8,153,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$400,463
−HK$25,113/mo
▼ 0.25% · 3.875%
HK$412,920
−HK$12,656/mo
Today · 4.125%
HK$425,576
baseline
▲ 0.50% · 4.625%
HK$451,471
+HK$25,895/mo
Deposit HK$37.63M · loan HK$87.81M · min. income ≈ HK$851,152/mo (50% DSR)
Upfront cash ≈ HK$45.79M (deposit + AVD stamp duty HK$8,153,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$445,511
−HK$24,070/mo
▼ 0.25% · 3.875%
HK$457,460
−HK$12,121/mo
Today · 4.125%
HK$469,581
baseline
▲ 0.50% · 4.625%
HK$494,333
+HK$24,752/mo
Deposit HK$37.63M · loan HK$87.81M · min. income ≈ HK$939,162/mo (50% DSR)
Upfront cash ≈ HK$45.79M (deposit + AVD stamp duty HK$8,153,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$514,881
−HK$32,288/mo
▼ 0.25% · 3.875%
HK$530,897
−HK$16,272/mo
Today · 4.125%
HK$547,169
baseline
▲ 0.50% · 4.625%
HK$580,463
+HK$33,294/mo
Deposit HK$12.54M · loan HK$112.90M · min. income ≈ HK$1,094,338/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$8,153,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$572,800
−HK$30,947/mo
▼ 0.25% · 3.875%
HK$588,163
−HK$15,584/mo
Today · 4.125%
HK$603,747
baseline
▲ 0.50% · 4.625%
HK$635,571
+HK$31,824/mo
Deposit HK$12.54M · loan HK$112.90M · min. income ≈ HK$1,207,494/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$8,153,880 · Scale 2, in force from 26 Feb 2026)