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$129,993
−HK$8,152/mo
▼ 0.25% · 3.875%
HK$134,037
−HK$4,108/mo
Today · 4.125%
HK$138,145
baseline
▲ 0.50% · 4.625%
HK$146,551
+HK$8,406/mo
Deposit HK$28.50M · loan HK$28.50M · min. income ≈ HK$276,290/mo (50% DSR)
Upfront cash ≈ HK$30.93M (deposit + AVD stamp duty HK$2,422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,616
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$148,495
−HK$3,934/mo
Today · 4.125%
HK$152,429
baseline
▲ 0.50% · 4.625%
HK$160,464
+HK$8,035/mo
Deposit HK$28.50M · loan HK$28.50M · min. income ≈ HK$304,858/mo (50% DSR)
Upfront cash ≈ HK$30.93M (deposit + AVD stamp duty HK$2,422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,992
−HK$9,782/mo
▼ 0.25% · 3.875%
HK$160,844
−HK$4,930/mo
Today · 4.125%
HK$165,774
baseline
▲ 0.50% · 4.625%
HK$175,861
+HK$10,087/mo
Deposit HK$22.80M · loan HK$34.20M · min. income ≈ HK$331,548/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$2,422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,539
−HK$9,376/mo
▼ 0.25% · 3.875%
HK$178,193
−HK$4,722/mo
Today · 4.125%
HK$182,915
baseline
▲ 0.50% · 4.625%
HK$192,557
+HK$9,642/mo
Deposit HK$22.80M · loan HK$34.20M · min. income ≈ HK$365,830/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$2,422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,990
−HK$11,413/mo
▼ 0.25% · 3.875%
HK$187,651
−HK$5,752/mo
Today · 4.125%
HK$193,403
baseline
▲ 0.50% · 4.625%
HK$205,171
+HK$11,768/mo
Deposit HK$17.10M · loan HK$39.91M · min. income ≈ HK$386,806/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$2,422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,462
−HK$10,939/mo
▼ 0.25% · 3.875%
HK$207,892
−HK$5,509/mo
Today · 4.125%
HK$213,401
baseline
▲ 0.50% · 4.625%
HK$224,650
+HK$11,249/mo
Deposit HK$17.10M · loan HK$39.91M · min. income ≈ HK$426,802/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$2,422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,988
−HK$14,673/mo
▼ 0.25% · 3.875%
HK$241,266
−HK$7,395/mo
Today · 4.125%
HK$248,661
baseline
▲ 0.50% · 4.625%
HK$263,791
+HK$15,130/mo
Deposit HK$5.70M · loan HK$51.31M · min. income ≈ HK$497,322/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,422,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,309
−HK$14,064/mo
▼ 0.25% · 3.875%
HK$267,290
−HK$7,083/mo
Today · 4.125%
HK$274,373
baseline
▲ 0.50% · 4.625%
HK$288,835
+HK$14,462/mo
Deposit HK$5.70M · loan HK$51.31M · min. income ≈ HK$548,746/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,422,845 · Scale 2, in force from 26 Feb 2026)