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$221,436
−HK$13,886/mo
▼ 0.25% · 3.875%
HK$228,324
−HK$6,998/mo
Today · 4.125%
HK$235,322
baseline
▲ 0.50% · 4.625%
HK$249,640
+HK$14,318/mo
Deposit HK$48.56M · loan HK$48.56M · min. income ≈ HK$470,644/mo (50% DSR)
Upfront cash ≈ HK$52.68M (deposit + AVD stamp duty HK$4,127,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,345
−HK$13,309/mo
▼ 0.25% · 3.875%
HK$252,952
−HK$6,702/mo
Today · 4.125%
HK$259,654
baseline
▲ 0.50% · 4.625%
HK$273,341
+HK$13,687/mo
Deposit HK$48.56M · loan HK$48.56M · min. income ≈ HK$519,308/mo (50% DSR)
Upfront cash ≈ HK$52.68M (deposit + AVD stamp duty HK$4,127,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,723
−HK$16,663/mo
▼ 0.25% · 3.875%
HK$273,988
−HK$8,398/mo
Today · 4.125%
HK$282,386
baseline
▲ 0.50% · 4.625%
HK$299,569
+HK$17,183/mo
Deposit HK$38.84M · loan HK$58.27M · min. income ≈ HK$564,772/mo (50% DSR)
Upfront cash ≈ HK$42.97M (deposit + AVD stamp duty HK$4,127,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,614
−HK$15,971/mo
▼ 0.25% · 3.875%
HK$303,542
−HK$8,043/mo
Today · 4.125%
HK$311,585
baseline
▲ 0.50% · 4.625%
HK$328,009
+HK$16,424/mo
Deposit HK$38.84M · loan HK$58.27M · min. income ≈ HK$623,170/mo (50% DSR)
Upfront cash ≈ HK$42.97M (deposit + AVD stamp duty HK$4,127,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,010
−HK$19,440/mo
▼ 0.25% · 3.875%
HK$319,653
−HK$9,797/mo
Today · 4.125%
HK$329,450
baseline
▲ 0.50% · 4.625%
HK$349,497
+HK$20,047/mo
Deposit HK$29.13M · loan HK$67.98M · min. income ≈ HK$658,900/mo (50% DSR)
Upfront cash ≈ HK$33.26M (deposit + AVD stamp duty HK$4,127,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,883
−HK$18,633/mo
▼ 0.25% · 3.875%
HK$354,133
−HK$9,383/mo
Today · 4.125%
HK$363,516
baseline
▲ 0.50% · 4.625%
HK$382,677
+HK$19,161/mo
Deposit HK$29.13M · loan HK$67.98M · min. income ≈ HK$727,032/mo (50% DSR)
Upfront cash ≈ HK$33.26M (deposit + AVD stamp duty HK$4,127,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$398,584
−HK$24,995/mo
▼ 0.25% · 3.875%
HK$410,983
−HK$12,596/mo
Today · 4.125%
HK$423,579
baseline
▲ 0.50% · 4.625%
HK$449,353
+HK$25,774/mo
Deposit HK$9.71M · loan HK$87.40M · min. income ≈ HK$847,158/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$4,127,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$443,421
−HK$23,957/mo
▼ 0.25% · 3.875%
HK$455,313
−HK$12,065/mo
Today · 4.125%
HK$467,378
baseline
▲ 0.50% · 4.625%
HK$492,014
+HK$24,636/mo
Deposit HK$9.71M · loan HK$87.40M · min. income ≈ HK$934,756/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$4,127,176 · Scale 2, in force from 26 Feb 2026)