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$178,559
−HK$11,197/mo
▼ 0.25% · 3.875%
HK$184,113
−HK$5,643/mo
Today · 4.125%
HK$189,756
baseline
▲ 0.50% · 4.625%
HK$201,303
+HK$11,547/mo
Deposit HK$39.15M · loan HK$39.15M · min. income ≈ HK$379,512/mo (50% DSR)
Upfront cash ≈ HK$42.48M (deposit + AVD stamp duty HK$3,328,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,645
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$203,973
−HK$5,404/mo
Today · 4.125%
HK$209,377
baseline
▲ 0.50% · 4.625%
HK$220,414
+HK$11,037/mo
Deposit HK$39.15M · loan HK$39.15M · min. income ≈ HK$418,754/mo (50% DSR)
Upfront cash ≈ HK$42.48M (deposit + AVD stamp duty HK$3,328,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,271
−HK$13,437/mo
▼ 0.25% · 3.875%
HK$220,936
−HK$6,772/mo
Today · 4.125%
HK$227,708
baseline
▲ 0.50% · 4.625%
HK$241,563
+HK$13,855/mo
Deposit HK$31.32M · loan HK$46.98M · min. income ≈ HK$455,416/mo (50% DSR)
Upfront cash ≈ HK$34.65M (deposit + AVD stamp duty HK$3,328,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,374
−HK$12,879/mo
▼ 0.25% · 3.875%
HK$244,767
−HK$6,486/mo
Today · 4.125%
HK$251,253
baseline
▲ 0.50% · 4.625%
HK$264,497
+HK$13,244/mo
Deposit HK$31.32M · loan HK$46.98M · min. income ≈ HK$502,506/mo (50% DSR)
Upfront cash ≈ HK$34.65M (deposit + AVD stamp duty HK$3,328,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,983
−HK$15,676/mo
▼ 0.25% · 3.875%
HK$257,759
−HK$7,900/mo
Today · 4.125%
HK$265,659
baseline
▲ 0.50% · 4.625%
HK$281,824
+HK$16,165/mo
Deposit HK$23.49M · loan HK$54.81M · min. income ≈ HK$531,318/mo (50% DSR)
Upfront cash ≈ HK$26.82M (deposit + AVD stamp duty HK$3,328,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,103
−HK$15,025/mo
▼ 0.25% · 3.875%
HK$285,562
−HK$7,566/mo
Today · 4.125%
HK$293,128
baseline
▲ 0.50% · 4.625%
HK$308,580
+HK$15,452/mo
Deposit HK$23.49M · loan HK$54.81M · min. income ≈ HK$586,256/mo (50% DSR)
Upfront cash ≈ HK$26.82M (deposit + AVD stamp duty HK$3,328,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$321,406
−HK$20,156/mo
▼ 0.25% · 3.875%
HK$331,404
−HK$10,158/mo
Today · 4.125%
HK$341,562
baseline
▲ 0.50% · 4.625%
HK$362,345
+HK$20,783/mo
Deposit HK$7.83M · loan HK$70.48M · min. income ≈ HK$683,124/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$3,328,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$357,561
−HK$19,318/mo
▼ 0.25% · 3.875%
HK$367,151
−HK$9,728/mo
Today · 4.125%
HK$376,879
baseline
▲ 0.50% · 4.625%
HK$396,745
+HK$19,866/mo
Deposit HK$7.83M · loan HK$70.48M · min. income ≈ HK$753,758/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$3,328,032 · Scale 2, in force from 26 Feb 2026)