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$145,199
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,715
−HK$4,589/mo
Today · 4.125%
HK$154,304
baseline
▲ 0.50% · 4.625%
HK$163,693
+HK$9,389/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$308,608/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,706,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,532
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,864
−HK$4,395/mo
Today · 4.125%
HK$170,259
baseline
▲ 0.50% · 4.625%
HK$179,234
+HK$8,975/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$340,518/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,706,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,238
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$179,658
−HK$5,507/mo
Today · 4.125%
HK$185,165
baseline
▲ 0.50% · 4.625%
HK$196,431
+HK$11,266/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$370,330/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,838
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,037
−HK$5,274/mo
Today · 4.125%
HK$204,311
baseline
▲ 0.50% · 4.625%
HK$215,080
+HK$10,769/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$408,622/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,278
−HK$12,747/mo
▼ 0.25% · 3.875%
HK$209,601
−HK$6,424/mo
Today · 4.125%
HK$216,025
baseline
▲ 0.50% · 4.625%
HK$229,170
+HK$13,145/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$432,050/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,145
−HK$12,218/mo
▼ 0.25% · 3.875%
HK$232,210
−HK$6,153/mo
Today · 4.125%
HK$238,363
baseline
▲ 0.50% · 4.625%
HK$250,927
+HK$12,564/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$476,726/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,357
−HK$16,390/mo
▼ 0.25% · 3.875%
HK$269,487
−HK$8,260/mo
Today · 4.125%
HK$277,747
baseline
▲ 0.50% · 4.625%
HK$294,647
+HK$16,900/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$555,494/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,757
−HK$15,709/mo
▼ 0.25% · 3.875%
HK$298,555
−HK$7,911/mo
Today · 4.125%
HK$306,466
baseline
▲ 0.50% · 4.625%
HK$322,620
+HK$16,154/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$612,932/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,248 · Scale 2, in force from 26 Feb 2026)