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$151,981
−HK$9,530/mo
▼ 0.25% · 3.875%
HK$156,708
−HK$4,803/mo
Today · 4.125%
HK$161,511
baseline
▲ 0.50% · 4.625%
HK$171,339
+HK$9,828/mo
Deposit HK$33.33M · loan HK$33.33M · min. income ≈ HK$323,022/mo (50% DSR)
Upfront cash ≈ HK$36.16M (deposit + AVD stamp duty HK$2,832,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,077
−HK$9,135/mo
▼ 0.25% · 3.875%
HK$173,611
−HK$4,601/mo
Today · 4.125%
HK$178,212
baseline
▲ 0.50% · 4.625%
HK$187,605
+HK$9,393/mo
Deposit HK$33.33M · loan HK$33.33M · min. income ≈ HK$356,424/mo (50% DSR)
Upfront cash ≈ HK$36.16M (deposit + AVD stamp duty HK$2,832,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,377
−HK$11,436/mo
▼ 0.25% · 3.875%
HK$188,050
−HK$5,763/mo
Today · 4.125%
HK$193,813
baseline
▲ 0.50% · 4.625%
HK$205,606
+HK$11,793/mo
Deposit HK$26.66M · loan HK$39.99M · min. income ≈ HK$387,626/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,832,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,892
−HK$10,962/mo
▼ 0.25% · 3.875%
HK$208,334
−HK$5,520/mo
Today · 4.125%
HK$213,854
baseline
▲ 0.50% · 4.625%
HK$225,126
+HK$11,272/mo
Deposit HK$26.66M · loan HK$39.99M · min. income ≈ HK$427,708/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,832,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,773
−HK$13,343/mo
▼ 0.25% · 3.875%
HK$219,391
−HK$6,725/mo
Today · 4.125%
HK$226,116
baseline
▲ 0.50% · 4.625%
HK$239,874
+HK$13,758/mo
Deposit HK$20.00M · loan HK$46.66M · min. income ≈ HK$452,232/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$2,832,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,708
−HK$12,788/mo
▼ 0.25% · 3.875%
HK$243,056
−HK$6,440/mo
Today · 4.125%
HK$249,496
baseline
▲ 0.50% · 4.625%
HK$262,648
+HK$13,152/mo
Deposit HK$20.00M · loan HK$46.66M · min. income ≈ HK$498,992/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$2,832,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,565
−HK$17,155/mo
▼ 0.25% · 3.875%
HK$282,075
−HK$8,645/mo
Today · 4.125%
HK$290,720
baseline
▲ 0.50% · 4.625%
HK$308,410
+HK$17,690/mo
Deposit HK$6.67M · loan HK$59.99M · min. income ≈ HK$581,440/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$2,832,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,338
−HK$16,443/mo
▼ 0.25% · 3.875%
HK$312,501
−HK$8,280/mo
Today · 4.125%
HK$320,781
baseline
▲ 0.50% · 4.625%
HK$337,690
+HK$16,909/mo
Deposit HK$6.67M · loan HK$59.99M · min. income ≈ HK$641,562/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$2,832,654 · Scale 2, in force from 26 Feb 2026)