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$140,351
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,717
−HK$4,436/mo
Today · 4.125%
HK$149,153
baseline
▲ 0.50% · 4.625%
HK$158,228
+HK$9,075/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$298,306/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,615,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,140
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$160,327
−HK$4,248/mo
Today · 4.125%
HK$164,575
baseline
▲ 0.50% · 4.625%
HK$173,250
+HK$8,675/mo
Deposit HK$30.78M · loan HK$30.78M · min. income ≈ HK$329,150/mo (50% DSR)
Upfront cash ≈ HK$33.39M (deposit + AVD stamp duty HK$2,615,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,422
−HK$10,561/mo
▼ 0.25% · 3.875%
HK$173,661
−HK$5,322/mo
Today · 4.125%
HK$178,983
baseline
▲ 0.50% · 4.625%
HK$189,874
+HK$10,891/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$357,966/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,615,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,368
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$192,393
−HK$5,097/mo
Today · 4.125%
HK$197,490
baseline
▲ 0.50% · 4.625%
HK$207,900
+HK$10,410/mo
Deposit HK$24.62M · loan HK$36.93M · min. income ≈ HK$394,980/mo (50% DSR)
Upfront cash ≈ HK$27.24M (deposit + AVD stamp duty HK$2,615,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,492
−HK$12,322/mo
▼ 0.25% · 3.875%
HK$202,604
−HK$6,210/mo
Today · 4.125%
HK$208,814
baseline
▲ 0.50% · 4.625%
HK$221,520
+HK$12,706/mo
Deposit HK$18.47M · loan HK$43.09M · min. income ≈ HK$417,628/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,595
−HK$11,810/mo
▼ 0.25% · 3.875%
HK$224,458
−HK$5,947/mo
Today · 4.125%
HK$230,405
baseline
▲ 0.50% · 4.625%
HK$242,550
+HK$12,145/mo
Deposit HK$18.47M · loan HK$43.09M · min. income ≈ HK$460,810/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,615,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,633
−HK$15,842/mo
▼ 0.25% · 3.875%
HK$260,491
−HK$7,984/mo
Today · 4.125%
HK$268,475
baseline
▲ 0.50% · 4.625%
HK$284,811
+HK$16,336/mo
Deposit HK$6.16M · loan HK$55.40M · min. income ≈ HK$536,950/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,051
−HK$15,185/mo
▼ 0.25% · 3.875%
HK$288,589
−HK$7,647/mo
Today · 4.125%
HK$296,236
baseline
▲ 0.50% · 4.625%
HK$311,851
+HK$15,615/mo
Deposit HK$6.16M · loan HK$55.40M · min. income ≈ HK$592,472/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$2,615,907 · Scale 2, in force from 26 Feb 2026)