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$139,078
−HK$8,721/mo
▼ 0.25% · 3.875%
HK$143,404
−HK$4,395/mo
Today · 4.125%
HK$147,799
baseline
▲ 0.50% · 4.625%
HK$156,792
+HK$8,993/mo
Deposit HK$30.50M · loan HK$30.50M · min. income ≈ HK$295,598/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$2,592,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,722
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$158,872
−HK$4,210/mo
Today · 4.125%
HK$163,082
baseline
▲ 0.50% · 4.625%
HK$171,678
+HK$8,596/mo
Deposit HK$30.50M · loan HK$30.50M · min. income ≈ HK$326,164/mo (50% DSR)
Upfront cash ≈ HK$33.09M (deposit + AVD stamp duty HK$2,592,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,893
−HK$10,466/mo
▼ 0.25% · 3.875%
HK$172,084
−HK$5,275/mo
Today · 4.125%
HK$177,359
baseline
▲ 0.50% · 4.625%
HK$188,151
+HK$10,792/mo
Deposit HK$24.40M · loan HK$36.60M · min. income ≈ HK$354,718/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,592,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,667
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$190,646
−HK$5,052/mo
Today · 4.125%
HK$195,698
baseline
▲ 0.50% · 4.625%
HK$206,013
+HK$10,315/mo
Deposit HK$24.40M · loan HK$36.60M · min. income ≈ HK$391,396/mo (50% DSR)
Upfront cash ≈ HK$26.99M (deposit + AVD stamp duty HK$2,592,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,709
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$200,765
−HK$6,154/mo
Today · 4.125%
HK$206,919
baseline
▲ 0.50% · 4.625%
HK$219,509
+HK$12,590/mo
Deposit HK$18.30M · loan HK$42.69M · min. income ≈ HK$413,838/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,592,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,611
−HK$11,703/mo
▼ 0.25% · 3.875%
HK$222,421
−HK$5,893/mo
Today · 4.125%
HK$228,314
baseline
▲ 0.50% · 4.625%
HK$240,349
+HK$12,035/mo
Deposit HK$18.30M · loan HK$42.69M · min. income ≈ HK$456,628/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,592,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,340
−HK$15,698/mo
▼ 0.25% · 3.875%
HK$258,127
−HK$7,911/mo
Today · 4.125%
HK$266,038
baseline
▲ 0.50% · 4.625%
HK$282,226
+HK$16,188/mo
Deposit HK$6.10M · loan HK$54.89M · min. income ≈ HK$532,076/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,592,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,500
−HK$15,047/mo
▼ 0.25% · 3.875%
HK$285,970
−HK$7,577/mo
Today · 4.125%
HK$293,547
baseline
▲ 0.50% · 4.625%
HK$309,020
+HK$15,473/mo
Deposit HK$6.10M · loan HK$54.89M · min. income ≈ HK$587,094/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$2,592,164 · Scale 2, in force from 26 Feb 2026)