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$139,233
−HK$8,731/mo
▼ 0.25% · 3.875%
HK$143,564
−HK$4,400/mo
Today · 4.125%
HK$147,964
baseline
▲ 0.50% · 4.625%
HK$156,968
+HK$9,004/mo
Deposit HK$30.53M · loan HK$30.53M · min. income ≈ HK$295,928/mo (50% DSR)
Upfront cash ≈ HK$33.13M (deposit + AVD stamp duty HK$2,595,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,896
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$159,050
−HK$4,214/mo
Today · 4.125%
HK$163,264
baseline
▲ 0.50% · 4.625%
HK$171,870
+HK$8,606/mo
Deposit HK$30.53M · loan HK$30.53M · min. income ≈ HK$326,528/mo (50% DSR)
Upfront cash ≈ HK$33.13M (deposit + AVD stamp duty HK$2,595,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,080
−HK$10,477/mo
▼ 0.25% · 3.875%
HK$172,277
−HK$5,280/mo
Today · 4.125%
HK$177,557
baseline
▲ 0.50% · 4.625%
HK$188,361
+HK$10,804/mo
Deposit HK$24.42M · loan HK$36.64M · min. income ≈ HK$355,114/mo (50% DSR)
Upfront cash ≈ HK$27.02M (deposit + AVD stamp duty HK$2,595,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,875
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$190,860
−HK$5,057/mo
Today · 4.125%
HK$195,917
baseline
▲ 0.50% · 4.625%
HK$206,244
+HK$10,327/mo
Deposit HK$24.42M · loan HK$36.64M · min. income ≈ HK$391,834/mo (50% DSR)
Upfront cash ≈ HK$27.02M (deposit + AVD stamp duty HK$2,595,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,927
−HK$12,223/mo
▼ 0.25% · 3.875%
HK$200,990
−HK$6,160/mo
Today · 4.125%
HK$207,150
baseline
▲ 0.50% · 4.625%
HK$219,755
+HK$12,605/mo
Deposit HK$18.32M · loan HK$42.74M · min. income ≈ HK$414,300/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$2,595,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,854
−HK$11,716/mo
▼ 0.25% · 3.875%
HK$222,670
−HK$5,900/mo
Today · 4.125%
HK$228,570
baseline
▲ 0.50% · 4.625%
HK$240,618
+HK$12,048/mo
Deposit HK$18.32M · loan HK$42.74M · min. income ≈ HK$457,140/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$2,595,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,620
−HK$15,716/mo
▼ 0.25% · 3.875%
HK$258,416
−HK$7,920/mo
Today · 4.125%
HK$266,336
baseline
▲ 0.50% · 4.625%
HK$282,542
+HK$16,206/mo
Deposit HK$6.11M · loan HK$54.95M · min. income ≈ HK$532,672/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$2,595,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,812
−HK$15,064/mo
▼ 0.25% · 3.875%
HK$286,290
−HK$7,586/mo
Today · 4.125%
HK$293,876
baseline
▲ 0.50% · 4.625%
HK$309,366
+HK$15,490/mo
Deposit HK$6.11M · loan HK$54.95M · min. income ≈ HK$587,752/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$2,595,067 · Scale 2, in force from 26 Feb 2026)