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$128,795
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,802
−HK$4,070/mo
Today · 4.125%
HK$136,872
baseline
▲ 0.50% · 4.625%
HK$145,200
+HK$8,328/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$273,744/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,284
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,126
−HK$3,899/mo
Today · 4.125%
HK$151,025
baseline
▲ 0.50% · 4.625%
HK$158,985
+HK$7,960/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$302,050/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,554
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,362
−HK$4,884/mo
Today · 4.125%
HK$164,246
baseline
▲ 0.50% · 4.625%
HK$174,240
+HK$9,994/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$328,492/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,940
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$176,552
−HK$4,678/mo
Today · 4.125%
HK$181,230
baseline
▲ 0.50% · 4.625%
HK$190,783
+HK$9,553/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$362,460/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,314
−HK$11,307/mo
▼ 0.25% · 3.875%
HK$185,922
−HK$5,699/mo
Today · 4.125%
HK$191,621
baseline
▲ 0.50% · 4.625%
HK$203,280
+HK$11,659/mo
Deposit HK$16.94M · loan HK$39.54M · min. income ≈ HK$383,242/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,597
−HK$10,838/mo
▼ 0.25% · 3.875%
HK$205,977
−HK$5,458/mo
Today · 4.125%
HK$211,435
baseline
▲ 0.50% · 4.625%
HK$222,580
+HK$11,145/mo
Deposit HK$16.94M · loan HK$39.54M · min. income ≈ HK$422,870/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,832
−HK$14,538/mo
▼ 0.25% · 3.875%
HK$239,043
−HK$7,327/mo
Today · 4.125%
HK$246,370
baseline
▲ 0.50% · 4.625%
HK$261,361
+HK$14,991/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$492,740/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,910
−HK$13,934/mo
▼ 0.25% · 3.875%
HK$264,827
−HK$7,017/mo
Today · 4.125%
HK$271,844
baseline
▲ 0.50% · 4.625%
HK$286,174
+HK$14,330/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$543,688/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,521 · Scale 2, in force from 26 Feb 2026)