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$140,322
−HK$8,799/mo
▼ 0.25% · 3.875%
HK$144,687
−HK$4,434/mo
Today · 4.125%
HK$149,121
baseline
▲ 0.50% · 4.625%
HK$158,195
+HK$9,074/mo
Deposit HK$30.77M · loan HK$30.77M · min. income ≈ HK$298,242/mo (50% DSR)
Upfront cash ≈ HK$33.38M (deposit + AVD stamp duty HK$2,615,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,107
−HK$8,434/mo
▼ 0.25% · 3.875%
HK$160,293
−HK$4,248/mo
Today · 4.125%
HK$164,541
baseline
▲ 0.50% · 4.625%
HK$173,214
+HK$8,673/mo
Deposit HK$30.77M · loan HK$30.77M · min. income ≈ HK$329,082/mo (50% DSR)
Upfront cash ≈ HK$33.38M (deposit + AVD stamp duty HK$2,615,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,386
−HK$10,560/mo
▼ 0.25% · 3.875%
HK$173,624
−HK$5,322/mo
Today · 4.125%
HK$178,946
baseline
▲ 0.50% · 4.625%
HK$189,834
+HK$10,888/mo
Deposit HK$24.62M · loan HK$36.92M · min. income ≈ HK$357,892/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,615,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,328
−HK$10,121/mo
▼ 0.25% · 3.875%
HK$192,352
−HK$5,097/mo
Today · 4.125%
HK$197,449
baseline
▲ 0.50% · 4.625%
HK$207,857
+HK$10,408/mo
Deposit HK$24.62M · loan HK$36.92M · min. income ≈ HK$394,898/mo (50% DSR)
Upfront cash ≈ HK$27.23M (deposit + AVD stamp duty HK$2,615,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,451
−HK$12,319/mo
▼ 0.25% · 3.875%
HK$202,561
−HK$6,209/mo
Today · 4.125%
HK$208,770
baseline
▲ 0.50% · 4.625%
HK$221,473
+HK$12,703/mo
Deposit HK$18.46M · loan HK$43.08M · min. income ≈ HK$417,540/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,549
−HK$11,808/mo
▼ 0.25% · 3.875%
HK$224,411
−HK$5,946/mo
Today · 4.125%
HK$230,357
baseline
▲ 0.50% · 4.625%
HK$242,499
+HK$12,142/mo
Deposit HK$18.46M · loan HK$43.08M · min. income ≈ HK$460,714/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,579
−HK$15,839/mo
▼ 0.25% · 3.875%
HK$260,436
−HK$7,982/mo
Today · 4.125%
HK$268,418
baseline
▲ 0.50% · 4.625%
HK$284,751
+HK$16,333/mo
Deposit HK$6.15M · loan HK$55.38M · min. income ≈ HK$536,836/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,992
−HK$15,181/mo
▼ 0.25% · 3.875%
HK$288,528
−HK$7,645/mo
Today · 4.125%
HK$296,173
baseline
▲ 0.50% · 4.625%
HK$311,785
+HK$15,612/mo
Deposit HK$6.15M · loan HK$55.38M · min. income ≈ HK$592,346/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,355 · Scale 2, in force from 26 Feb 2026)