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$152,724
−HK$9,577/mo
▼ 0.25% · 3.875%
HK$157,475
−HK$4,826/mo
Today · 4.125%
HK$162,301
baseline
▲ 0.50% · 4.625%
HK$172,177
+HK$9,876/mo
Deposit HK$33.49M · loan HK$33.49M · min. income ≈ HK$324,602/mo (50% DSR)
Upfront cash ≈ HK$36.33M (deposit + AVD stamp duty HK$2,846,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,904
−HK$9,180/mo
▼ 0.25% · 3.875%
HK$174,461
−HK$4,623/mo
Today · 4.125%
HK$179,084
baseline
▲ 0.50% · 4.625%
HK$188,523
+HK$9,439/mo
Deposit HK$33.49M · loan HK$33.49M · min. income ≈ HK$358,168/mo (50% DSR)
Upfront cash ≈ HK$36.33M (deposit + AVD stamp duty HK$2,846,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,269
−HK$11,493/mo
▼ 0.25% · 3.875%
HK$188,970
−HK$5,792/mo
Today · 4.125%
HK$194,762
baseline
▲ 0.50% · 4.625%
HK$206,613
+HK$11,851/mo
Deposit HK$26.79M · loan HK$40.19M · min. income ≈ HK$389,524/mo (50% DSR)
Upfront cash ≈ HK$29.64M (deposit + AVD stamp duty HK$2,846,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,885
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$209,353
−HK$5,547/mo
Today · 4.125%
HK$214,900
baseline
▲ 0.50% · 4.625%
HK$226,228
+HK$11,328/mo
Deposit HK$26.79M · loan HK$40.19M · min. income ≈ HK$429,800/mo (50% DSR)
Upfront cash ≈ HK$29.64M (deposit + AVD stamp duty HK$2,846,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,814
−HK$13,408/mo
▼ 0.25% · 3.875%
HK$220,465
−HK$6,757/mo
Today · 4.125%
HK$227,222
baseline
▲ 0.50% · 4.625%
HK$241,048
+HK$13,826/mo
Deposit HK$20.09M · loan HK$46.88M · min. income ≈ HK$454,444/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,846,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,866
−HK$12,851/mo
▼ 0.25% · 3.875%
HK$244,245
−HK$6,472/mo
Today · 4.125%
HK$250,717
baseline
▲ 0.50% · 4.625%
HK$263,933
+HK$13,216/mo
Deposit HK$20.09M · loan HK$46.88M · min. income ≈ HK$501,434/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,846,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,904
−HK$17,239/mo
▼ 0.25% · 3.875%
HK$283,455
−HK$8,688/mo
Today · 4.125%
HK$292,143
baseline
▲ 0.50% · 4.625%
HK$309,919
+HK$17,776/mo
Deposit HK$6.70M · loan HK$60.28M · min. income ≈ HK$584,286/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$2,846,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,828
−HK$16,523/mo
▼ 0.25% · 3.875%
HK$314,030
−HK$8,321/mo
Today · 4.125%
HK$322,351
baseline
▲ 0.50% · 4.625%
HK$339,342
+HK$16,991/mo
Deposit HK$6.70M · loan HK$60.28M · min. income ≈ HK$644,702/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$2,846,515 · Scale 2, in force from 26 Feb 2026)