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$128,796
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,803
−HK$4,070/mo
Today · 4.125%
HK$136,873
baseline
▲ 0.50% · 4.625%
HK$145,201
+HK$8,328/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$273,746/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,285
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,128
−HK$3,898/mo
Today · 4.125%
HK$151,026
baseline
▲ 0.50% · 4.625%
HK$158,987
+HK$7,961/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$302,052/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,556
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,363
−HK$4,885/mo
Today · 4.125%
HK$164,248
baseline
▲ 0.50% · 4.625%
HK$174,242
+HK$9,994/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$328,496/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,942
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$176,553
−HK$4,678/mo
Today · 4.125%
HK$181,231
baseline
▲ 0.50% · 4.625%
HK$190,784
+HK$9,553/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$362,462/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,315
−HK$11,307/mo
▼ 0.25% · 3.875%
HK$185,924
−HK$5,698/mo
Today · 4.125%
HK$191,622
baseline
▲ 0.50% · 4.625%
HK$203,282
+HK$11,660/mo
Deposit HK$16.94M · loan HK$39.54M · min. income ≈ HK$383,244/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,599
−HK$10,837/mo
▼ 0.25% · 3.875%
HK$205,979
−HK$5,457/mo
Today · 4.125%
HK$211,436
baseline
▲ 0.50% · 4.625%
HK$222,581
+HK$11,145/mo
Deposit HK$16.94M · loan HK$39.54M · min. income ≈ HK$422,872/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,834
−HK$14,538/mo
▼ 0.25% · 3.875%
HK$239,045
−HK$7,327/mo
Today · 4.125%
HK$246,372
baseline
▲ 0.50% · 4.625%
HK$261,363
+HK$14,991/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$492,744/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,912
−HK$13,935/mo
▼ 0.25% · 3.875%
HK$264,830
−HK$7,017/mo
Today · 4.125%
HK$271,847
baseline
▲ 0.50% · 4.625%
HK$286,176
+HK$14,329/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$543,694/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,541 · Scale 2, in force from 26 Feb 2026)