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$148,256
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$152,868
−HK$4,685/mo
Today · 4.125%
HK$157,553
baseline
▲ 0.50% · 4.625%
HK$167,140
+HK$9,587/mo
Deposit HK$32.51M · loan HK$32.51M · min. income ≈ HK$315,106/mo (50% DSR)
Upfront cash ≈ HK$35.27M (deposit + AVD stamp duty HK$2,763,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,934
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$169,357
−HK$4,488/mo
Today · 4.125%
HK$173,845
baseline
▲ 0.50% · 4.625%
HK$183,008
+HK$9,163/mo
Deposit HK$32.51M · loan HK$32.51M · min. income ≈ HK$347,690/mo (50% DSR)
Upfront cash ≈ HK$35.27M (deposit + AVD stamp duty HK$2,763,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,908
−HK$11,156/mo
▼ 0.25% · 3.875%
HK$183,442
−HK$5,622/mo
Today · 4.125%
HK$189,064
baseline
▲ 0.50% · 4.625%
HK$200,568
+HK$11,504/mo
Deposit HK$26.01M · loan HK$39.01M · min. income ≈ HK$378,128/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,763,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,920
−HK$10,693/mo
▼ 0.25% · 3.875%
HK$203,229
−HK$5,384/mo
Today · 4.125%
HK$208,613
baseline
▲ 0.50% · 4.625%
HK$219,610
+HK$10,997/mo
Deposit HK$26.01M · loan HK$39.01M · min. income ≈ HK$417,226/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,763,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,559
−HK$13,016/mo
▼ 0.25% · 3.875%
HK$214,015
−HK$6,560/mo
Today · 4.125%
HK$220,575
baseline
▲ 0.50% · 4.625%
HK$233,996
+HK$13,421/mo
Deposit HK$19.51M · loan HK$45.51M · min. income ≈ HK$441,150/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,763,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,907
−HK$12,475/mo
▼ 0.25% · 3.875%
HK$237,100
−HK$6,282/mo
Today · 4.125%
HK$243,382
baseline
▲ 0.50% · 4.625%
HK$256,211
+HK$12,829/mo
Deposit HK$19.51M · loan HK$45.51M · min. income ≈ HK$486,764/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,763,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,861
−HK$16,735/mo
▼ 0.25% · 3.875%
HK$275,162
−HK$8,434/mo
Today · 4.125%
HK$283,596
baseline
▲ 0.50% · 4.625%
HK$300,852
+HK$17,256/mo
Deposit HK$6.50M · loan HK$58.52M · min. income ≈ HK$567,192/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,763,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,881
−HK$16,039/mo
▼ 0.25% · 3.875%
HK$304,843
−HK$8,077/mo
Today · 4.125%
HK$312,920
baseline
▲ 0.50% · 4.625%
HK$329,415
+HK$16,495/mo
Deposit HK$6.50M · loan HK$58.52M · min. income ≈ HK$625,840/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,763,240 · Scale 2, in force from 26 Feb 2026)