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$142,211
−HK$8,918/mo
▼ 0.25% · 3.875%
HK$146,635
−HK$4,494/mo
Today · 4.125%
HK$151,129
baseline
▲ 0.50% · 4.625%
HK$160,325
+HK$9,196/mo
Deposit HK$31.18M · loan HK$31.18M · min. income ≈ HK$302,258/mo (50% DSR)
Upfront cash ≈ HK$33.83M (deposit + AVD stamp duty HK$2,650,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,209
−HK$8,547/mo
▼ 0.25% · 3.875%
HK$162,452
−HK$4,304/mo
Today · 4.125%
HK$166,756
baseline
▲ 0.50% · 4.625%
HK$175,546
+HK$8,790/mo
Deposit HK$31.18M · loan HK$31.18M · min. income ≈ HK$333,512/mo (50% DSR)
Upfront cash ≈ HK$33.83M (deposit + AVD stamp duty HK$2,650,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,654
−HK$10,701/mo
▼ 0.25% · 3.875%
HK$175,962
−HK$5,393/mo
Today · 4.125%
HK$181,355
baseline
▲ 0.50% · 4.625%
HK$192,390
+HK$11,035/mo
Deposit HK$24.95M · loan HK$37.42M · min. income ≈ HK$362,710/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,650,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,850
−HK$10,257/mo
▼ 0.25% · 3.875%
HK$194,942
−HK$5,165/mo
Today · 4.125%
HK$200,107
baseline
▲ 0.50% · 4.625%
HK$210,655
+HK$10,548/mo
Deposit HK$24.95M · loan HK$37.42M · min. income ≈ HK$400,214/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,650,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,096
−HK$12,485/mo
▼ 0.25% · 3.875%
HK$205,289
−HK$6,292/mo
Today · 4.125%
HK$211,581
baseline
▲ 0.50% · 4.625%
HK$224,455
+HK$12,874/mo
Deposit HK$18.71M · loan HK$43.66M · min. income ≈ HK$423,162/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,650,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,492
−HK$11,967/mo
▼ 0.25% · 3.875%
HK$227,432
−HK$6,027/mo
Today · 4.125%
HK$233,459
baseline
▲ 0.50% · 4.625%
HK$245,765
+HK$12,306/mo
Deposit HK$18.71M · loan HK$43.66M · min. income ≈ HK$466,918/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,650,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,980
−HK$16,053/mo
▼ 0.25% · 3.875%
HK$263,943
−HK$8,090/mo
Today · 4.125%
HK$272,033
baseline
▲ 0.50% · 4.625%
HK$288,585
+HK$16,552/mo
Deposit HK$6.24M · loan HK$56.13M · min. income ≈ HK$544,066/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,650,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,776
−HK$15,385/mo
▼ 0.25% · 3.875%
HK$292,413
−HK$7,748/mo
Today · 4.125%
HK$300,161
baseline
▲ 0.50% · 4.625%
HK$315,983
+HK$15,822/mo
Deposit HK$6.24M · loan HK$56.13M · min. income ≈ HK$600,322/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,650,571 · Scale 2, in force from 26 Feb 2026)