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$145,898
−HK$9,149/mo
▼ 0.25% · 3.875%
HK$150,436
−HK$4,611/mo
Today · 4.125%
HK$155,047
baseline
▲ 0.50% · 4.625%
HK$164,482
+HK$9,435/mo
Deposit HK$31.99M · loan HK$31.99M · min. income ≈ HK$310,094/mo (50% DSR)
Upfront cash ≈ HK$34.71M (deposit + AVD stamp duty HK$2,719,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,310
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$166,663
−HK$4,416/mo
Today · 4.125%
HK$171,079
baseline
▲ 0.50% · 4.625%
HK$180,097
+HK$9,018/mo
Deposit HK$31.99M · loan HK$31.99M · min. income ≈ HK$342,158/mo (50% DSR)
Upfront cash ≈ HK$34.71M (deposit + AVD stamp duty HK$2,719,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,078
−HK$10,979/mo
▼ 0.25% · 3.875%
HK$180,524
−HK$5,533/mo
Today · 4.125%
HK$186,057
baseline
▲ 0.50% · 4.625%
HK$197,378
+HK$11,321/mo
Deposit HK$25.59M · loan HK$38.39M · min. income ≈ HK$372,114/mo (50% DSR)
Upfront cash ≈ HK$28.31M (deposit + AVD stamp duty HK$2,719,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,772
−HK$10,523/mo
▼ 0.25% · 3.875%
HK$199,996
−HK$5,299/mo
Today · 4.125%
HK$205,295
baseline
▲ 0.50% · 4.625%
HK$216,117
+HK$10,822/mo
Deposit HK$25.59M · loan HK$38.39M · min. income ≈ HK$410,590/mo (50% DSR)
Upfront cash ≈ HK$28.31M (deposit + AVD stamp duty HK$2,719,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,257
−HK$12,809/mo
▼ 0.25% · 3.875%
HK$210,611
−HK$6,455/mo
Today · 4.125%
HK$217,066
baseline
▲ 0.50% · 4.625%
HK$230,274
+HK$13,208/mo
Deposit HK$19.19M · loan HK$44.79M · min. income ≈ HK$434,132/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,719,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,234
−HK$12,277/mo
▼ 0.25% · 3.875%
HK$233,329
−HK$6,182/mo
Today · 4.125%
HK$239,511
baseline
▲ 0.50% · 4.625%
HK$252,136
+HK$12,625/mo
Deposit HK$19.19M · loan HK$44.79M · min. income ≈ HK$479,022/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$2,719,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,617
−HK$16,468/mo
▼ 0.25% · 3.875%
HK$270,786
−HK$8,299/mo
Today · 4.125%
HK$279,085
baseline
▲ 0.50% · 4.625%
HK$296,067
+HK$16,982/mo
Deposit HK$6.40M · loan HK$57.58M · min. income ≈ HK$558,170/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,719,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,158
−HK$15,785/mo
▼ 0.25% · 3.875%
HK$299,994
−HK$7,949/mo
Today · 4.125%
HK$307,943
baseline
▲ 0.50% · 4.625%
HK$324,175
+HK$16,232/mo
Deposit HK$6.40M · loan HK$57.58M · min. income ≈ HK$615,886/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,719,288 · Scale 2, in force from 26 Feb 2026)