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$133,884
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$138,049
−HK$4,231/mo
Today · 4.125%
HK$142,280
baseline
▲ 0.50% · 4.625%
HK$150,938
+HK$8,658/mo
Deposit HK$29.36M · loan HK$29.36M · min. income ≈ HK$284,560/mo (50% DSR)
Upfront cash ≈ HK$31.85M (deposit + AVD stamp duty HK$2,495,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,945
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$152,940
−HK$4,052/mo
Today · 4.125%
HK$156,992
baseline
▲ 0.50% · 4.625%
HK$165,267
+HK$8,275/mo
Deposit HK$29.36M · loan HK$29.36M · min. income ≈ HK$313,984/mo (50% DSR)
Upfront cash ≈ HK$31.85M (deposit + AVD stamp duty HK$2,495,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,661
−HK$10,075/mo
▼ 0.25% · 3.875%
HK$165,659
−HK$5,077/mo
Today · 4.125%
HK$170,736
baseline
▲ 0.50% · 4.625%
HK$181,125
+HK$10,389/mo
Deposit HK$23.49M · loan HK$35.23M · min. income ≈ HK$341,472/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,495,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,734
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$183,528
−HK$4,862/mo
Today · 4.125%
HK$188,390
baseline
▲ 0.50% · 4.625%
HK$198,321
+HK$9,931/mo
Deposit HK$23.49M · loan HK$35.23M · min. income ≈ HK$376,780/mo (50% DSR)
Upfront cash ≈ HK$25.98M (deposit + AVD stamp duty HK$2,495,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,438
−HK$11,754/mo
▼ 0.25% · 3.875%
HK$193,269
−HK$5,923/mo
Today · 4.125%
HK$199,192
baseline
▲ 0.50% · 4.625%
HK$211,313
+HK$12,121/mo
Deposit HK$17.61M · loan HK$41.10M · min. income ≈ HK$398,384/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$2,495,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,523
−HK$11,266/mo
▼ 0.25% · 3.875%
HK$214,116
−HK$5,673/mo
Today · 4.125%
HK$219,789
baseline
▲ 0.50% · 4.625%
HK$231,374
+HK$11,585/mo
Deposit HK$17.61M · loan HK$41.10M · min. income ≈ HK$439,578/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$2,495,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,992
−HK$15,112/mo
▼ 0.25% · 3.875%
HK$248,488
−HK$7,616/mo
Today · 4.125%
HK$256,104
baseline
▲ 0.50% · 4.625%
HK$271,688
+HK$15,584/mo
Deposit HK$5.87M · loan HK$52.84M · min. income ≈ HK$512,208/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,495,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,101
−HK$14,485/mo
▼ 0.25% · 3.875%
HK$275,291
−HK$7,295/mo
Today · 4.125%
HK$282,586
baseline
▲ 0.50% · 4.625%
HK$297,481
+HK$14,895/mo
Deposit HK$5.87M · loan HK$52.84M · min. income ≈ HK$565,172/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,495,372 · Scale 2, in force from 26 Feb 2026)