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$134,767
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$138,959
−HK$4,259/mo
Today · 4.125%
HK$143,218
baseline
▲ 0.50% · 4.625%
HK$151,932
+HK$8,714/mo
Deposit HK$29.55M · loan HK$29.55M · min. income ≈ HK$286,436/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$2,511,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,927
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$153,947
−HK$4,080/mo
Today · 4.125%
HK$158,027
baseline
▲ 0.50% · 4.625%
HK$166,356
+HK$8,329/mo
Deposit HK$29.55M · loan HK$29.55M · min. income ≈ HK$316,054/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$2,511,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,720
−HK$10,141/mo
▼ 0.25% · 3.875%
HK$166,750
−HK$5,111/mo
Today · 4.125%
HK$171,861
baseline
▲ 0.50% · 4.625%
HK$182,319
+HK$10,458/mo
Deposit HK$23.64M · loan HK$35.46M · min. income ≈ HK$343,722/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,511,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,912
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$184,737
−HK$4,895/mo
Today · 4.125%
HK$189,632
baseline
▲ 0.50% · 4.625%
HK$199,628
+HK$9,996/mo
Deposit HK$23.64M · loan HK$35.46M · min. income ≈ HK$379,264/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,511,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,673
−HK$11,832/mo
▼ 0.25% · 3.875%
HK$194,542
−HK$5,963/mo
Today · 4.125%
HK$200,505
baseline
▲ 0.50% · 4.625%
HK$212,705
+HK$12,200/mo
Deposit HK$17.73M · loan HK$41.37M · min. income ≈ HK$401,010/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,511,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,897
−HK$11,340/mo
▼ 0.25% · 3.875%
HK$215,526
−HK$5,711/mo
Today · 4.125%
HK$221,237
baseline
▲ 0.50% · 4.625%
HK$232,899
+HK$11,662/mo
Deposit HK$17.73M · loan HK$41.37M · min. income ≈ HK$442,474/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,511,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,580
−HK$15,212/mo
▼ 0.25% · 3.875%
HK$250,126
−HK$7,666/mo
Today · 4.125%
HK$257,792
baseline
▲ 0.50% · 4.625%
HK$273,478
+HK$15,686/mo
Deposit HK$5.91M · loan HK$53.19M · min. income ≈ HK$515,584/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,511,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,868
−HK$14,580/mo
▼ 0.25% · 3.875%
HK$277,105
−HK$7,343/mo
Today · 4.125%
HK$284,448
baseline
▲ 0.50% · 4.625%
HK$299,442
+HK$14,994/mo
Deposit HK$5.91M · loan HK$53.19M · min. income ≈ HK$568,896/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,511,815 · Scale 2, in force from 26 Feb 2026)