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$208,689
−HK$13,087/mo
▼ 0.25% · 3.875%
HK$215,181
−HK$6,595/mo
Today · 4.125%
HK$221,776
baseline
▲ 0.50% · 4.625%
HK$235,270
+HK$13,494/mo
Deposit HK$45.76M · loan HK$45.76M · min. income ≈ HK$443,552/mo (50% DSR)
Upfront cash ≈ HK$49.65M (deposit + AVD stamp duty HK$3,889,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,165
−HK$12,543/mo
▼ 0.25% · 3.875%
HK$238,391
−HK$6,317/mo
Today · 4.125%
HK$244,708
baseline
▲ 0.50% · 4.625%
HK$257,607
+HK$12,899/mo
Deposit HK$45.76M · loan HK$45.76M · min. income ≈ HK$489,416/mo (50% DSR)
Upfront cash ≈ HK$49.65M (deposit + AVD stamp duty HK$3,889,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,427
−HK$15,704/mo
▼ 0.25% · 3.875%
HK$258,217
−HK$7,914/mo
Today · 4.125%
HK$266,131
baseline
▲ 0.50% · 4.625%
HK$282,324
+HK$16,193/mo
Deposit HK$36.61M · loan HK$54.91M · min. income ≈ HK$532,262/mo (50% DSR)
Upfront cash ≈ HK$40.50M (deposit + AVD stamp duty HK$3,889,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,597
−HK$15,052/mo
▼ 0.25% · 3.875%
HK$286,069
−HK$7,580/mo
Today · 4.125%
HK$293,649
baseline
▲ 0.50% · 4.625%
HK$309,128
+HK$15,479/mo
Deposit HK$36.61M · loan HK$54.91M · min. income ≈ HK$587,298/mo (50% DSR)
Upfront cash ≈ HK$40.50M (deposit + AVD stamp duty HK$3,889,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,165
−HK$18,321/mo
▼ 0.25% · 3.875%
HK$301,253
−HK$9,233/mo
Today · 4.125%
HK$310,486
baseline
▲ 0.50% · 4.625%
HK$329,378
+HK$18,892/mo
Deposit HK$27.46M · loan HK$64.06M · min. income ≈ HK$620,972/mo (50% DSR)
Upfront cash ≈ HK$31.35M (deposit + AVD stamp duty HK$3,889,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,030
−HK$17,561/mo
▼ 0.25% · 3.875%
HK$333,747
−HK$8,844/mo
Today · 4.125%
HK$342,591
baseline
▲ 0.50% · 4.625%
HK$360,649
+HK$18,058/mo
Deposit HK$27.46M · loan HK$64.06M · min. income ≈ HK$685,182/mo (50% DSR)
Upfront cash ≈ HK$31.35M (deposit + AVD stamp duty HK$3,889,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$375,640
−HK$23,556/mo
▼ 0.25% · 3.875%
HK$387,325
−HK$11,871/mo
Today · 4.125%
HK$399,196
baseline
▲ 0.50% · 4.625%
HK$423,486
+HK$24,290/mo
Deposit HK$9.15M · loan HK$82.37M · min. income ≈ HK$798,392/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$3,889,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$417,896
−HK$22,578/mo
▼ 0.25% · 3.875%
HK$429,104
−HK$11,370/mo
Today · 4.125%
HK$440,474
baseline
▲ 0.50% · 4.625%
HK$463,692
+HK$23,218/mo
Deposit HK$9.15M · loan HK$82.37M · min. income ≈ HK$880,948/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$3,889,601 · Scale 2, in force from 26 Feb 2026)