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$132,820
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$136,951
−HK$4,198/mo
Today · 4.125%
HK$141,149
baseline
▲ 0.50% · 4.625%
HK$149,737
+HK$8,588/mo
Deposit HK$29.12M · loan HK$29.12M · min. income ≈ HK$282,298/mo (50% DSR)
Upfront cash ≈ HK$31.60M (deposit + AVD stamp duty HK$2,475,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,761
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$151,724
−HK$4,020/mo
Today · 4.125%
HK$155,744
baseline
▲ 0.50% · 4.625%
HK$163,953
+HK$8,209/mo
Deposit HK$29.12M · loan HK$29.12M · min. income ≈ HK$311,488/mo (50% DSR)
Upfront cash ≈ HK$31.60M (deposit + AVD stamp duty HK$2,475,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,384
−HK$9,995/mo
▼ 0.25% · 3.875%
HK$164,341
−HK$5,038/mo
Today · 4.125%
HK$169,379
baseline
▲ 0.50% · 4.625%
HK$179,685
+HK$10,306/mo
Deposit HK$23.30M · loan HK$34.95M · min. income ≈ HK$338,758/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,475,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,313
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$182,068
−HK$4,824/mo
Today · 4.125%
HK$186,892
baseline
▲ 0.50% · 4.625%
HK$196,744
+HK$9,852/mo
Deposit HK$23.30M · loan HK$34.95M · min. income ≈ HK$373,784/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,475,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,948
−HK$11,660/mo
▼ 0.25% · 3.875%
HK$191,732
−HK$5,876/mo
Today · 4.125%
HK$197,608
baseline
▲ 0.50% · 4.625%
HK$209,632
+HK$12,024/mo
Deposit HK$17.47M · loan HK$40.77M · min. income ≈ HK$395,216/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,865
−HK$11,176/mo
▼ 0.25% · 3.875%
HK$212,413
−HK$5,628/mo
Today · 4.125%
HK$218,041
baseline
▲ 0.50% · 4.625%
HK$229,534
+HK$11,493/mo
Deposit HK$17.47M · loan HK$40.77M · min. income ≈ HK$436,082/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,475,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,076
−HK$14,992/mo
▼ 0.25% · 3.875%
HK$246,512
−HK$7,556/mo
Today · 4.125%
HK$254,068
baseline
▲ 0.50% · 4.625%
HK$269,527
+HK$15,459/mo
Deposit HK$5.82M · loan HK$52.42M · min. income ≈ HK$508,136/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,969
−HK$14,370/mo
▼ 0.25% · 3.875%
HK$273,102
−HK$7,237/mo
Today · 4.125%
HK$280,339
baseline
▲ 0.50% · 4.625%
HK$295,116
+HK$14,777/mo
Deposit HK$5.82M · loan HK$52.42M · min. income ≈ HK$560,678/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,475,529 · Scale 2, in force from 26 Feb 2026)