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$148,186
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$152,796
−HK$4,683/mo
Today · 4.125%
HK$157,479
baseline
▲ 0.50% · 4.625%
HK$167,061
+HK$9,582/mo
Deposit HK$32.49M · loan HK$32.49M · min. income ≈ HK$314,958/mo (50% DSR)
Upfront cash ≈ HK$35.26M (deposit + AVD stamp duty HK$2,761,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,856
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$169,277
−HK$4,486/mo
Today · 4.125%
HK$173,763
baseline
▲ 0.50% · 4.625%
HK$182,922
+HK$9,159/mo
Deposit HK$32.49M · loan HK$32.49M · min. income ≈ HK$347,526/mo (50% DSR)
Upfront cash ≈ HK$35.26M (deposit + AVD stamp duty HK$2,761,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,824
−HK$11,151/mo
▼ 0.25% · 3.875%
HK$183,355
−HK$5,620/mo
Today · 4.125%
HK$188,975
baseline
▲ 0.50% · 4.625%
HK$200,473
+HK$11,498/mo
Deposit HK$25.99M · loan HK$38.99M · min. income ≈ HK$377,950/mo (50% DSR)
Upfront cash ≈ HK$28.76M (deposit + AVD stamp duty HK$2,761,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,827
−HK$10,688/mo
▼ 0.25% · 3.875%
HK$203,133
−HK$5,382/mo
Today · 4.125%
HK$208,515
baseline
▲ 0.50% · 4.625%
HK$219,506
+HK$10,991/mo
Deposit HK$25.99M · loan HK$38.99M · min. income ≈ HK$417,030/mo (50% DSR)
Upfront cash ≈ HK$28.76M (deposit + AVD stamp duty HK$2,761,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,461
−HK$13,010/mo
▼ 0.25% · 3.875%
HK$213,914
−HK$6,557/mo
Today · 4.125%
HK$220,471
baseline
▲ 0.50% · 4.625%
HK$233,886
+HK$13,415/mo
Deposit HK$19.50M · loan HK$45.49M · min. income ≈ HK$440,942/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$2,761,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,798
−HK$12,470/mo
▼ 0.25% · 3.875%
HK$236,988
−HK$6,280/mo
Today · 4.125%
HK$243,268
baseline
▲ 0.50% · 4.625%
HK$256,090
+HK$12,822/mo
Deposit HK$19.50M · loan HK$45.49M · min. income ≈ HK$486,536/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$2,761,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,735
−HK$16,727/mo
▼ 0.25% · 3.875%
HK$275,032
−HK$8,430/mo
Today · 4.125%
HK$283,462
baseline
▲ 0.50% · 4.625%
HK$300,710
+HK$17,248/mo
Deposit HK$6.50M · loan HK$58.49M · min. income ≈ HK$566,924/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,761,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,741
−HK$16,032/mo
▼ 0.25% · 3.875%
HK$304,699
−HK$8,074/mo
Today · 4.125%
HK$312,773
baseline
▲ 0.50% · 4.625%
HK$329,259
+HK$16,486/mo
Deposit HK$6.50M · loan HK$58.49M · min. income ≈ HK$625,546/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,761,936 · Scale 2, in force from 26 Feb 2026)