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$212,177
−HK$13,305/mo
▼ 0.25% · 3.875%
HK$218,777
−HK$6,705/mo
Today · 4.125%
HK$225,482
baseline
▲ 0.50% · 4.625%
HK$239,202
+HK$13,720/mo
Deposit HK$46.52M · loan HK$46.52M · min. income ≈ HK$450,964/mo (50% DSR)
Upfront cash ≈ HK$50.48M (deposit + AVD stamp duty HK$3,954,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,045
−HK$12,752/mo
▼ 0.25% · 3.875%
HK$242,375
−HK$6,422/mo
Today · 4.125%
HK$248,797
baseline
▲ 0.50% · 4.625%
HK$261,912
+HK$13,115/mo
Deposit HK$46.52M · loan HK$46.52M · min. income ≈ HK$497,594/mo (50% DSR)
Upfront cash ≈ HK$50.48M (deposit + AVD stamp duty HK$3,954,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,612
−HK$15,967/mo
▼ 0.25% · 3.875%
HK$262,532
−HK$8,047/mo
Today · 4.125%
HK$270,579
baseline
▲ 0.50% · 4.625%
HK$287,043
+HK$16,464/mo
Deposit HK$37.22M · loan HK$55.83M · min. income ≈ HK$541,158/mo (50% DSR)
Upfront cash ≈ HK$41.17M (deposit + AVD stamp duty HK$3,954,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,254
−HK$15,303/mo
▼ 0.25% · 3.875%
HK$290,850
−HK$7,707/mo
Today · 4.125%
HK$298,557
baseline
▲ 0.50% · 4.625%
HK$314,294
+HK$15,737/mo
Deposit HK$37.22M · loan HK$55.83M · min. income ≈ HK$597,114/mo (50% DSR)
Upfront cash ≈ HK$41.17M (deposit + AVD stamp duty HK$3,954,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,048
−HK$18,627/mo
▼ 0.25% · 3.875%
HK$306,288
−HK$9,387/mo
Today · 4.125%
HK$315,675
baseline
▲ 0.50% · 4.625%
HK$334,883
+HK$19,208/mo
Deposit HK$27.91M · loan HK$65.13M · min. income ≈ HK$631,350/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$3,954,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$330,463
−HK$17,853/mo
▼ 0.25% · 3.875%
HK$339,325
−HK$8,991/mo
Today · 4.125%
HK$348,316
baseline
▲ 0.50% · 4.625%
HK$366,677
+HK$18,361/mo
Deposit HK$27.91M · loan HK$65.13M · min. income ≈ HK$696,632/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$3,954,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$381,919
−HK$23,949/mo
▼ 0.25% · 3.875%
HK$393,798
−HK$12,070/mo
Today · 4.125%
HK$405,868
baseline
▲ 0.50% · 4.625%
HK$430,564
+HK$24,696/mo
Deposit HK$9.30M · loan HK$83.74M · min. income ≈ HK$811,736/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$3,954,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$424,881
−HK$22,954/mo
▼ 0.25% · 3.875%
HK$436,276
−HK$11,559/mo
Today · 4.125%
HK$447,835
baseline
▲ 0.50% · 4.625%
HK$471,442
+HK$23,607/mo
Deposit HK$9.30M · loan HK$83.74M · min. income ≈ HK$895,670/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$3,954,608 · Scale 2, in force from 26 Feb 2026)