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$176,099
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$181,577
−HK$5,565/mo
Today · 4.125%
HK$187,142
baseline
▲ 0.50% · 4.625%
HK$198,530
+HK$11,388/mo
Deposit HK$38.61M · loan HK$38.61M · min. income ≈ HK$374,284/mo (50% DSR)
Upfront cash ≈ HK$41.90M (deposit + AVD stamp duty HK$3,282,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,909
−HK$10,584/mo
▼ 0.25% · 3.875%
HK$201,163
−HK$5,330/mo
Today · 4.125%
HK$206,493
baseline
▲ 0.50% · 4.625%
HK$217,378
+HK$10,885/mo
Deposit HK$38.61M · loan HK$38.61M · min. income ≈ HK$412,986/mo (50% DSR)
Upfront cash ≈ HK$41.90M (deposit + AVD stamp duty HK$3,282,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,319
−HK$13,252/mo
▼ 0.25% · 3.875%
HK$217,893
−HK$6,678/mo
Today · 4.125%
HK$224,571
baseline
▲ 0.50% · 4.625%
HK$238,236
+HK$13,665/mo
Deposit HK$30.89M · loan HK$46.34M · min. income ≈ HK$449,142/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$3,282,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,091
−HK$12,701/mo
▼ 0.25% · 3.875%
HK$241,396
−HK$6,396/mo
Today · 4.125%
HK$247,792
baseline
▲ 0.50% · 4.625%
HK$260,853
+HK$13,061/mo
Deposit HK$30.89M · loan HK$46.34M · min. income ≈ HK$495,584/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$3,282,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,539
−HK$15,460/mo
▼ 0.25% · 3.875%
HK$254,208
−HK$7,791/mo
Today · 4.125%
HK$261,999
baseline
▲ 0.50% · 4.625%
HK$277,941
+HK$15,942/mo
Deposit HK$23.17M · loan HK$54.06M · min. income ≈ HK$523,998/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,282,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,272
−HK$14,818/mo
▼ 0.25% · 3.875%
HK$281,628
−HK$7,462/mo
Today · 4.125%
HK$289,090
baseline
▲ 0.50% · 4.625%
HK$304,329
+HK$15,239/mo
Deposit HK$23.17M · loan HK$54.06M · min. income ≈ HK$578,180/mo (50% DSR)
Upfront cash ≈ HK$26.45M (deposit + AVD stamp duty HK$3,282,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,979
−HK$19,877/mo
▼ 0.25% · 3.875%
HK$326,839
−HK$10,017/mo
Today · 4.125%
HK$336,856
baseline
▲ 0.50% · 4.625%
HK$357,353
+HK$20,497/mo
Deposit HK$7.72M · loan HK$69.51M · min. income ≈ HK$673,712/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,282,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,636
−HK$19,052/mo
▼ 0.25% · 3.875%
HK$362,093
−HK$9,595/mo
Today · 4.125%
HK$371,688
baseline
▲ 0.50% · 4.625%
HK$391,280
+HK$19,592/mo
Deposit HK$7.72M · loan HK$69.51M · min. income ≈ HK$743,376/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$3,282,187 · Scale 2, in force from 26 Feb 2026)