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$173,963
−HK$10,909/mo
▼ 0.25% · 3.875%
HK$179,374
−HK$5,498/mo
Today · 4.125%
HK$184,872
baseline
▲ 0.50% · 4.625%
HK$196,121
+HK$11,249/mo
Deposit HK$38.15M · loan HK$38.15M · min. income ≈ HK$369,744/mo (50% DSR)
Upfront cash ≈ HK$41.39M (deposit + AVD stamp duty HK$3,242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,532
−HK$10,456/mo
▼ 0.25% · 3.875%
HK$198,723
−HK$5,265/mo
Today · 4.125%
HK$203,988
baseline
▲ 0.50% · 4.625%
HK$214,741
+HK$10,753/mo
Deposit HK$38.15M · loan HK$38.15M · min. income ≈ HK$407,976/mo (50% DSR)
Upfront cash ≈ HK$41.39M (deposit + AVD stamp duty HK$3,242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,756
−HK$13,091/mo
▼ 0.25% · 3.875%
HK$215,249
−HK$6,598/mo
Today · 4.125%
HK$221,847
baseline
▲ 0.50% · 4.625%
HK$235,345
+HK$13,498/mo
Deposit HK$30.52M · loan HK$45.77M · min. income ≈ HK$443,694/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$3,242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,239
−HK$12,547/mo
▼ 0.25% · 3.875%
HK$238,467
−HK$6,319/mo
Today · 4.125%
HK$244,786
baseline
▲ 0.50% · 4.625%
HK$257,689
+HK$12,903/mo
Deposit HK$30.52M · loan HK$45.77M · min. income ≈ HK$489,572/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$3,242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,548
−HK$15,273/mo
▼ 0.25% · 3.875%
HK$251,124
−HK$7,697/mo
Today · 4.125%
HK$258,821
baseline
▲ 0.50% · 4.625%
HK$274,570
+HK$15,749/mo
Deposit HK$22.89M · loan HK$53.40M · min. income ≈ HK$517,642/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$3,242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,945
−HK$14,638/mo
▼ 0.25% · 3.875%
HK$278,212
−HK$7,371/mo
Today · 4.125%
HK$285,583
baseline
▲ 0.50% · 4.625%
HK$300,637
+HK$15,054/mo
Deposit HK$22.89M · loan HK$53.40M · min. income ≈ HK$571,166/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$3,242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,134
−HK$19,636/mo
▼ 0.25% · 3.875%
HK$322,874
−HK$9,896/mo
Today · 4.125%
HK$332,770
baseline
▲ 0.50% · 4.625%
HK$353,018
+HK$20,248/mo
Deposit HK$7.63M · loan HK$68.66M · min. income ≈ HK$665,540/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$348,358
−HK$18,821/mo
▼ 0.25% · 3.875%
HK$357,701
−HK$9,478/mo
Today · 4.125%
HK$367,179
baseline
▲ 0.50% · 4.625%
HK$386,533
+HK$19,354/mo
Deposit HK$7.63M · loan HK$68.66M · min. income ≈ HK$734,358/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$3,242,370 · Scale 2, in force from 26 Feb 2026)