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$239,785
−HK$15,037/mo
▼ 0.25% · 3.875%
HK$247,244
−HK$7,578/mo
Today · 4.125%
HK$254,822
baseline
▲ 0.50% · 4.625%
HK$270,327
+HK$15,505/mo
Deposit HK$52.58M · loan HK$52.58M · min. income ≈ HK$509,644/mo (50% DSR)
Upfront cash ≈ HK$58.38M (deposit + AVD stamp duty HK$5,797,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,759
−HK$14,412/mo
▼ 0.25% · 3.875%
HK$273,913
−HK$7,258/mo
Today · 4.125%
HK$281,171
baseline
▲ 0.50% · 4.625%
HK$295,992
+HK$14,821/mo
Deposit HK$52.58M · loan HK$52.58M · min. income ≈ HK$562,342/mo (50% DSR)
Upfront cash ≈ HK$58.38M (deposit + AVD stamp duty HK$5,797,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,742
−HK$18,044/mo
▼ 0.25% · 3.875%
HK$296,693
−HK$9,093/mo
Today · 4.125%
HK$305,786
baseline
▲ 0.50% · 4.625%
HK$324,393
+HK$18,607/mo
Deposit HK$42.06M · loan HK$63.09M · min. income ≈ HK$611,572/mo (50% DSR)
Upfront cash ≈ HK$47.86M (deposit + AVD stamp duty HK$5,797,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$320,110
−HK$17,295/mo
▼ 0.25% · 3.875%
HK$328,696
−HK$8,709/mo
Today · 4.125%
HK$337,405
baseline
▲ 0.50% · 4.625%
HK$355,190
+HK$17,785/mo
Deposit HK$42.06M · loan HK$63.09M · min. income ≈ HK$674,810/mo (50% DSR)
Upfront cash ≈ HK$47.86M (deposit + AVD stamp duty HK$5,797,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$335,699
−HK$21,052/mo
▼ 0.25% · 3.875%
HK$346,141
−HK$10,610/mo
Today · 4.125%
HK$356,751
baseline
▲ 0.50% · 4.625%
HK$378,458
+HK$21,707/mo
Deposit HK$31.55M · loan HK$73.61M · min. income ≈ HK$713,502/mo (50% DSR)
Upfront cash ≈ HK$37.34M (deposit + AVD stamp duty HK$5,797,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$373,462
−HK$20,177/mo
▼ 0.25% · 3.875%
HK$383,478
−HK$10,161/mo
Today · 4.125%
HK$393,639
baseline
▲ 0.50% · 4.625%
HK$414,388
+HK$20,749/mo
Deposit HK$31.55M · loan HK$73.61M · min. income ≈ HK$787,278/mo (50% DSR)
Upfront cash ≈ HK$37.34M (deposit + AVD stamp duty HK$5,797,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$431,613
−HK$27,066/mo
▼ 0.25% · 3.875%
HK$445,039
−HK$13,640/mo
Today · 4.125%
HK$458,679
baseline
▲ 0.50% · 4.625%
HK$486,589
+HK$27,910/mo
Deposit HK$10.52M · loan HK$94.64M · min. income ≈ HK$917,358/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$5,797,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$480,166
−HK$25,941/mo
▼ 0.25% · 3.875%
HK$493,043
−HK$13,064/mo
Today · 4.125%
HK$506,107
baseline
▲ 0.50% · 4.625%
HK$532,785
+HK$26,678/mo
Deposit HK$10.52M · loan HK$94.64M · min. income ≈ HK$1,012,214/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$5,797,137 · Scale 2, in force from 26 Feb 2026)