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$155,818
−HK$9,771/mo
▼ 0.25% · 3.875%
HK$160,665
−HK$4,924/mo
Today · 4.125%
HK$165,589
baseline
▲ 0.50% · 4.625%
HK$175,665
+HK$10,076/mo
Deposit HK$34.17M · loan HK$34.17M · min. income ≈ HK$331,178/mo (50% DSR)
Upfront cash ≈ HK$37.07M (deposit + AVD stamp duty HK$2,904,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,346
−HK$9,365/mo
▼ 0.25% · 3.875%
HK$177,995
−HK$4,716/mo
Today · 4.125%
HK$182,711
baseline
▲ 0.50% · 4.625%
HK$192,342
+HK$9,631/mo
Deposit HK$34.17M · loan HK$34.17M · min. income ≈ HK$365,422/mo (50% DSR)
Upfront cash ≈ HK$37.07M (deposit + AVD stamp duty HK$2,904,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,981
−HK$11,726/mo
▼ 0.25% · 3.875%
HK$192,798
−HK$5,909/mo
Today · 4.125%
HK$198,707
baseline
▲ 0.50% · 4.625%
HK$210,798
+HK$12,091/mo
Deposit HK$27.33M · loan HK$41.00M · min. income ≈ HK$397,414/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,904,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,015
−HK$11,238/mo
▼ 0.25% · 3.875%
HK$213,594
−HK$5,659/mo
Today · 4.125%
HK$219,253
baseline
▲ 0.50% · 4.625%
HK$230,810
+HK$11,557/mo
Deposit HK$27.33M · loan HK$41.00M · min. income ≈ HK$438,506/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,904,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,145
−HK$13,679/mo
▼ 0.25% · 3.875%
HK$224,930
−HK$6,894/mo
Today · 4.125%
HK$231,824
baseline
▲ 0.50% · 4.625%
HK$245,930
+HK$14,106/mo
Deposit HK$20.50M · loan HK$47.83M · min. income ≈ HK$463,648/mo (50% DSR)
Upfront cash ≈ HK$23.40M (deposit + AVD stamp duty HK$2,904,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,684
−HK$13,111/mo
▼ 0.25% · 3.875%
HK$249,193
−HK$6,602/mo
Today · 4.125%
HK$255,795
baseline
▲ 0.50% · 4.625%
HK$269,279
+HK$13,484/mo
Deposit HK$20.50M · loan HK$47.83M · min. income ≈ HK$511,590/mo (50% DSR)
Upfront cash ≈ HK$23.40M (deposit + AVD stamp duty HK$2,904,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,472
−HK$17,588/mo
▼ 0.25% · 3.875%
HK$289,196
−HK$8,864/mo
Today · 4.125%
HK$298,060
baseline
▲ 0.50% · 4.625%
HK$316,196
+HK$18,136/mo
Deposit HK$6.83M · loan HK$61.50M · min. income ≈ HK$596,120/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$2,904,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,022
−HK$16,858/mo
▼ 0.25% · 3.875%
HK$320,391
−HK$8,489/mo
Today · 4.125%
HK$328,880
baseline
▲ 0.50% · 4.625%
HK$346,216
+HK$17,336/mo
Deposit HK$6.83M · loan HK$61.50M · min. income ≈ HK$657,760/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$2,904,172 · Scale 2, in force from 26 Feb 2026)