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$154,878
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$159,695
−HK$4,895/mo
Today · 4.125%
HK$164,590
baseline
▲ 0.50% · 4.625%
HK$174,605
+HK$10,015/mo
Deposit HK$33.96M · loan HK$33.96M · min. income ≈ HK$329,180/mo (50% DSR)
Upfront cash ≈ HK$36.85M (deposit + AVD stamp duty HK$2,886,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,300
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$176,921
−HK$4,688/mo
Today · 4.125%
HK$181,609
baseline
▲ 0.50% · 4.625%
HK$191,182
+HK$9,573/mo
Deposit HK$33.96M · loan HK$33.96M · min. income ≈ HK$363,218/mo (50% DSR)
Upfront cash ≈ HK$36.85M (deposit + AVD stamp duty HK$2,886,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,853
−HK$11,655/mo
▼ 0.25% · 3.875%
HK$191,634
−HK$5,874/mo
Today · 4.125%
HK$197,508
baseline
▲ 0.50% · 4.625%
HK$209,526
+HK$12,018/mo
Deposit HK$27.17M · loan HK$40.75M · min. income ≈ HK$395,016/mo (50% DSR)
Upfront cash ≈ HK$30.06M (deposit + AVD stamp duty HK$2,886,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,760
−HK$11,171/mo
▼ 0.25% · 3.875%
HK$212,305
−HK$5,626/mo
Today · 4.125%
HK$217,931
baseline
▲ 0.50% · 4.625%
HK$229,418
+HK$11,487/mo
Deposit HK$27.17M · loan HK$40.75M · min. income ≈ HK$435,862/mo (50% DSR)
Upfront cash ≈ HK$30.06M (deposit + AVD stamp duty HK$2,886,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,829
−HK$13,597/mo
▼ 0.25% · 3.875%
HK$223,574
−HK$6,852/mo
Today · 4.125%
HK$230,426
baseline
▲ 0.50% · 4.625%
HK$244,447
+HK$14,021/mo
Deposit HK$20.38M · loan HK$47.54M · min. income ≈ HK$460,852/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,886,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,220
−HK$13,032/mo
▼ 0.25% · 3.875%
HK$247,689
−HK$6,563/mo
Today · 4.125%
HK$254,252
baseline
▲ 0.50% · 4.625%
HK$267,654
+HK$13,402/mo
Deposit HK$20.38M · loan HK$47.54M · min. income ≈ HK$508,504/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,886,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,780
−HK$17,482/mo
▼ 0.25% · 3.875%
HK$287,452
−HK$8,810/mo
Today · 4.125%
HK$296,262
baseline
▲ 0.50% · 4.625%
HK$314,289
+HK$18,027/mo
Deposit HK$6.79M · loan HK$61.13M · min. income ≈ HK$592,524/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$2,886,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,140
−HK$16,756/mo
▼ 0.25% · 3.875%
HK$318,458
−HK$8,438/mo
Today · 4.125%
HK$326,896
baseline
▲ 0.50% · 4.625%
HK$344,127
+HK$17,231/mo
Deposit HK$6.79M · loan HK$61.13M · min. income ≈ HK$653,792/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$2,886,652 · Scale 2, in force from 26 Feb 2026)