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$145,546
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$150,074
−HK$4,599/mo
Today · 4.125%
HK$154,673
baseline
▲ 0.50% · 4.625%
HK$164,085
+HK$9,412/mo
Deposit HK$31.91M · loan HK$31.91M · min. income ≈ HK$309,346/mo (50% DSR)
Upfront cash ≈ HK$34.63M (deposit + AVD stamp duty HK$2,712,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,919
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$166,261
−HK$4,406/mo
Today · 4.125%
HK$170,667
baseline
▲ 0.50% · 4.625%
HK$179,663
+HK$8,996/mo
Deposit HK$31.91M · loan HK$31.91M · min. income ≈ HK$341,334/mo (50% DSR)
Upfront cash ≈ HK$34.63M (deposit + AVD stamp duty HK$2,712,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,656
−HK$10,952/mo
▼ 0.25% · 3.875%
HK$180,088
−HK$5,520/mo
Today · 4.125%
HK$185,608
baseline
▲ 0.50% · 4.625%
HK$196,902
+HK$11,294/mo
Deposit HK$25.53M · loan HK$38.30M · min. income ≈ HK$371,216/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,712,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,303
−HK$10,497/mo
▼ 0.25% · 3.875%
HK$199,514
−HK$5,286/mo
Today · 4.125%
HK$204,800
baseline
▲ 0.50% · 4.625%
HK$215,595
+HK$10,795/mo
Deposit HK$25.53M · loan HK$38.30M · min. income ≈ HK$409,600/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,712,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,765
−HK$12,778/mo
▼ 0.25% · 3.875%
HK$210,103
−HK$6,440/mo
Today · 4.125%
HK$216,543
baseline
▲ 0.50% · 4.625%
HK$229,719
+HK$13,176/mo
Deposit HK$19.15M · loan HK$44.68M · min. income ≈ HK$433,086/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,712,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,686
−HK$12,248/mo
▼ 0.25% · 3.875%
HK$232,766
−HK$6,168/mo
Today · 4.125%
HK$238,934
baseline
▲ 0.50% · 4.625%
HK$251,528
+HK$12,594/mo
Deposit HK$19.15M · loan HK$44.68M · min. income ≈ HK$477,868/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,712,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,983
−HK$16,429/mo
▼ 0.25% · 3.875%
HK$270,133
−HK$8,279/mo
Today · 4.125%
HK$278,412
baseline
▲ 0.50% · 4.625%
HK$295,353
+HK$16,941/mo
Deposit HK$6.38M · loan HK$57.45M · min. income ≈ HK$556,824/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$2,712,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,454
−HK$15,746/mo
▼ 0.25% · 3.875%
HK$299,271
−HK$7,929/mo
Today · 4.125%
HK$307,200
baseline
▲ 0.50% · 4.625%
HK$323,393
+HK$16,193/mo
Deposit HK$6.38M · loan HK$57.45M · min. income ≈ HK$614,400/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$2,712,730 · Scale 2, in force from 26 Feb 2026)