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$147,225
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,804
−HK$4,653/mo
Today · 4.125%
HK$156,457
baseline
▲ 0.50% · 4.625%
HK$165,977
+HK$9,520/mo
Deposit HK$32.28M · loan HK$32.28M · min. income ≈ HK$312,914/mo (50% DSR)
Upfront cash ≈ HK$35.03M (deposit + AVD stamp duty HK$2,744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,786
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$168,179
−HK$4,456/mo
Today · 4.125%
HK$172,635
baseline
▲ 0.50% · 4.625%
HK$181,735
+HK$9,100/mo
Deposit HK$32.28M · loan HK$32.28M · min. income ≈ HK$345,270/mo (50% DSR)
Upfront cash ≈ HK$35.03M (deposit + AVD stamp duty HK$2,744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,670
−HK$11,078/mo
▼ 0.25% · 3.875%
HK$182,165
−HK$5,583/mo
Today · 4.125%
HK$187,748
baseline
▲ 0.50% · 4.625%
HK$199,172
+HK$11,424/mo
Deposit HK$25.83M · loan HK$38.74M · min. income ≈ HK$375,496/mo (50% DSR)
Upfront cash ≈ HK$28.57M (deposit + AVD stamp duty HK$2,744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,543
−HK$10,619/mo
▼ 0.25% · 3.875%
HK$201,814
−HK$5,348/mo
Today · 4.125%
HK$207,162
baseline
▲ 0.50% · 4.625%
HK$218,082
+HK$10,920/mo
Deposit HK$25.83M · loan HK$38.74M · min. income ≈ HK$414,324/mo (50% DSR)
Upfront cash ≈ HK$28.57M (deposit + AVD stamp duty HK$2,744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,115
−HK$12,925/mo
▼ 0.25% · 3.875%
HK$212,526
−HK$6,514/mo
Today · 4.125%
HK$219,040
baseline
▲ 0.50% · 4.625%
HK$232,368
+HK$13,328/mo
Deposit HK$19.37M · loan HK$45.20M · min. income ≈ HK$438,080/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$2,744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,300
−HK$12,389/mo
▼ 0.25% · 3.875%
HK$235,450
−HK$6,239/mo
Today · 4.125%
HK$241,689
baseline
▲ 0.50% · 4.625%
HK$254,429
+HK$12,740/mo
Deposit HK$19.37M · loan HK$45.20M · min. income ≈ HK$483,378/mo (50% DSR)
Upfront cash ≈ HK$22.11M (deposit + AVD stamp duty HK$2,744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,004
−HK$16,619/mo
▼ 0.25% · 3.875%
HK$273,248
−HK$8,375/mo
Today · 4.125%
HK$281,623
baseline
▲ 0.50% · 4.625%
HK$298,759
+HK$17,136/mo
Deposit HK$6.46M · loan HK$58.11M · min. income ≈ HK$563,246/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$2,744,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,815
−HK$15,928/mo
▼ 0.25% · 3.875%
HK$302,722
−HK$8,021/mo
Today · 4.125%
HK$310,743
baseline
▲ 0.50% · 4.625%
HK$327,122
+HK$16,379/mo
Deposit HK$6.46M · loan HK$58.11M · min. income ≈ HK$621,486/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$2,744,011 · Scale 2, in force from 26 Feb 2026)