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$148,026
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$152,631
−HK$4,678/mo
Today · 4.125%
HK$157,309
baseline
▲ 0.50% · 4.625%
HK$166,881
+HK$9,572/mo
Deposit HK$32.46M · loan HK$32.46M · min. income ≈ HK$314,618/mo (50% DSR)
Upfront cash ≈ HK$35.22M (deposit + AVD stamp duty HK$2,758,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,678
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$169,094
−HK$4,481/mo
Today · 4.125%
HK$173,575
baseline
▲ 0.50% · 4.625%
HK$182,724
+HK$9,149/mo
Deposit HK$32.46M · loan HK$32.46M · min. income ≈ HK$347,150/mo (50% DSR)
Upfront cash ≈ HK$35.22M (deposit + AVD stamp duty HK$2,758,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,631
−HK$11,140/mo
▼ 0.25% · 3.875%
HK$183,157
−HK$5,614/mo
Today · 4.125%
HK$188,771
baseline
▲ 0.50% · 4.625%
HK$200,257
+HK$11,486/mo
Deposit HK$25.97M · loan HK$38.95M · min. income ≈ HK$377,542/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,758,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,613
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$202,913
−HK$5,377/mo
Today · 4.125%
HK$208,290
baseline
▲ 0.50% · 4.625%
HK$219,269
+HK$10,979/mo
Deposit HK$25.97M · loan HK$38.95M · min. income ≈ HK$416,580/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,758,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,237
−HK$12,995/mo
▼ 0.25% · 3.875%
HK$213,683
−HK$6,549/mo
Today · 4.125%
HK$220,232
baseline
▲ 0.50% · 4.625%
HK$233,633
+HK$13,401/mo
Deposit HK$19.47M · loan HK$45.44M · min. income ≈ HK$440,464/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$2,758,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,549
−HK$12,456/mo
▼ 0.25% · 3.875%
HK$236,732
−HK$6,273/mo
Today · 4.125%
HK$243,005
baseline
▲ 0.50% · 4.625%
HK$255,814
+HK$12,809/mo
Deposit HK$19.47M · loan HK$45.44M · min. income ≈ HK$486,010/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$2,758,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,447
−HK$16,709/mo
▼ 0.25% · 3.875%
HK$274,735
−HK$8,421/mo
Today · 4.125%
HK$283,156
baseline
▲ 0.50% · 4.625%
HK$300,385
+HK$17,229/mo
Deposit HK$6.49M · loan HK$58.42M · min. income ≈ HK$566,312/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$2,758,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,420
−HK$16,014/mo
▼ 0.25% · 3.875%
HK$304,370
−HK$8,064/mo
Today · 4.125%
HK$312,434
baseline
▲ 0.50% · 4.625%
HK$328,903
+HK$16,469/mo
Deposit HK$6.49M · loan HK$58.42M · min. income ≈ HK$624,868/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$2,758,951 · Scale 2, in force from 26 Feb 2026)