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$140,168
−HK$8,790/mo
▼ 0.25% · 3.875%
HK$144,528
−HK$4,430/mo
Today · 4.125%
HK$148,958
baseline
▲ 0.50% · 4.625%
HK$158,022
+HK$9,064/mo
Deposit HK$30.74M · loan HK$30.74M · min. income ≈ HK$297,916/mo (50% DSR)
Upfront cash ≈ HK$33.35M (deposit + AVD stamp duty HK$2,612,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,936
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$160,118
−HK$4,243/mo
Today · 4.125%
HK$164,361
baseline
▲ 0.50% · 4.625%
HK$173,024
+HK$8,663/mo
Deposit HK$30.74M · loan HK$30.74M · min. income ≈ HK$328,722/mo (50% DSR)
Upfront cash ≈ HK$33.35M (deposit + AVD stamp duty HK$2,612,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,202
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$173,434
−HK$5,316/mo
Today · 4.125%
HK$178,750
baseline
▲ 0.50% · 4.625%
HK$189,626
+HK$10,876/mo
Deposit HK$24.59M · loan HK$36.88M · min. income ≈ HK$357,500/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,612,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,123
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$192,142
−HK$5,091/mo
Today · 4.125%
HK$197,233
baseline
▲ 0.50% · 4.625%
HK$207,629
+HK$10,396/mo
Deposit HK$24.59M · loan HK$36.88M · min. income ≈ HK$394,466/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,612,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,236
−HK$12,305/mo
▼ 0.25% · 3.875%
HK$202,340
−HK$6,201/mo
Today · 4.125%
HK$208,541
baseline
▲ 0.50% · 4.625%
HK$221,231
+HK$12,690/mo
Deposit HK$18.44M · loan HK$43.03M · min. income ≈ HK$417,082/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,612,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,310
−HK$11,795/mo
▼ 0.25% · 3.875%
HK$224,165
−HK$5,940/mo
Today · 4.125%
HK$230,105
baseline
▲ 0.50% · 4.625%
HK$242,234
+HK$12,129/mo
Deposit HK$18.44M · loan HK$43.03M · min. income ≈ HK$460,210/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,612,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,303
−HK$15,822/mo
▼ 0.25% · 3.875%
HK$260,151
−HK$7,974/mo
Today · 4.125%
HK$268,125
baseline
▲ 0.50% · 4.625%
HK$284,439
+HK$16,314/mo
Deposit HK$6.15M · loan HK$55.32M · min. income ≈ HK$536,250/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,612,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,685
−HK$15,164/mo
▼ 0.25% · 3.875%
HK$288,212
−HK$7,637/mo
Today · 4.125%
HK$295,849
baseline
▲ 0.50% · 4.625%
HK$311,444
+HK$15,595/mo
Deposit HK$6.15M · loan HK$55.32M · min. income ≈ HK$591,698/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$2,612,495 · Scale 2, in force from 26 Feb 2026)