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$132,158
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,269
−HK$4,176/mo
Today · 4.125%
HK$140,445
baseline
▲ 0.50% · 4.625%
HK$148,991
+HK$8,546/mo
Deposit HK$28.98M · loan HK$28.98M · min. income ≈ HK$280,890/mo (50% DSR)
Upfront cash ≈ HK$31.44M (deposit + AVD stamp duty HK$2,463,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,024
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$150,968
−HK$4,000/mo
Today · 4.125%
HK$154,968
baseline
▲ 0.50% · 4.625%
HK$163,136
+HK$8,168/mo
Deposit HK$28.98M · loan HK$28.98M · min. income ≈ HK$309,936/mo (50% DSR)
Upfront cash ≈ HK$31.44M (deposit + AVD stamp duty HK$2,463,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,590
−HK$9,945/mo
▼ 0.25% · 3.875%
HK$163,523
−HK$5,012/mo
Today · 4.125%
HK$168,535
baseline
▲ 0.50% · 4.625%
HK$178,789
+HK$10,254/mo
Deposit HK$23.18M · loan HK$34.77M · min. income ≈ HK$337,070/mo (50% DSR)
Upfront cash ≈ HK$25.65M (deposit + AVD stamp duty HK$2,463,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,429
−HK$9,532/mo
▼ 0.25% · 3.875%
HK$181,161
−HK$4,800/mo
Today · 4.125%
HK$185,961
baseline
▲ 0.50% · 4.625%
HK$195,763
+HK$9,802/mo
Deposit HK$23.18M · loan HK$34.77M · min. income ≈ HK$371,922/mo (50% DSR)
Upfront cash ≈ HK$25.65M (deposit + AVD stamp duty HK$2,463,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,021
−HK$11,603/mo
▼ 0.25% · 3.875%
HK$190,776
−HK$5,848/mo
Today · 4.125%
HK$196,624
baseline
▲ 0.50% · 4.625%
HK$208,588
+HK$11,964/mo
Deposit HK$17.39M · loan HK$40.57M · min. income ≈ HK$393,248/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$2,463,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,834
−HK$11,121/mo
▼ 0.25% · 3.875%
HK$211,355
−HK$5,600/mo
Today · 4.125%
HK$216,955
baseline
▲ 0.50% · 4.625%
HK$228,391
+HK$11,436/mo
Deposit HK$17.39M · loan HK$40.57M · min. income ≈ HK$433,910/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$2,463,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,884
−HK$14,918/mo
▼ 0.25% · 3.875%
HK$245,284
−HK$7,518/mo
Today · 4.125%
HK$252,802
baseline
▲ 0.50% · 4.625%
HK$268,184
+HK$15,382/mo
Deposit HK$5.80M · loan HK$52.16M · min. income ≈ HK$505,604/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$2,463,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,644
−HK$14,298/mo
▼ 0.25% · 3.875%
HK$271,742
−HK$7,200/mo
Today · 4.125%
HK$278,942
baseline
▲ 0.50% · 4.625%
HK$293,645
+HK$14,703/mo
Deposit HK$5.80M · loan HK$52.16M · min. income ≈ HK$557,884/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$2,463,194 · Scale 2, in force from 26 Feb 2026)