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$152,206
−HK$9,544/mo
▼ 0.25% · 3.875%
HK$156,940
−HK$4,810/mo
Today · 4.125%
HK$161,750
baseline
▲ 0.50% · 4.625%
HK$171,592
+HK$9,842/mo
Deposit HK$33.37M · loan HK$33.37M · min. income ≈ HK$323,500/mo (50% DSR)
Upfront cash ≈ HK$36.21M (deposit + AVD stamp duty HK$2,836,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,327
−HK$9,148/mo
▼ 0.25% · 3.875%
HK$173,868
−HK$4,607/mo
Today · 4.125%
HK$178,475
baseline
▲ 0.50% · 4.625%
HK$187,883
+HK$9,408/mo
Deposit HK$33.37M · loan HK$33.37M · min. income ≈ HK$356,950/mo (50% DSR)
Upfront cash ≈ HK$36.21M (deposit + AVD stamp duty HK$2,836,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,647
−HK$11,453/mo
▼ 0.25% · 3.875%
HK$188,328
−HK$5,772/mo
Today · 4.125%
HK$194,100
baseline
▲ 0.50% · 4.625%
HK$205,911
+HK$11,811/mo
Deposit HK$26.70M · loan HK$40.05M · min. income ≈ HK$388,200/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,836,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,193
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$208,642
−HK$5,528/mo
Today · 4.125%
HK$214,170
baseline
▲ 0.50% · 4.625%
HK$225,460
+HK$11,290/mo
Deposit HK$26.70M · loan HK$40.05M · min. income ≈ HK$428,340/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,836,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,088
−HK$13,362/mo
▼ 0.25% · 3.875%
HK$219,716
−HK$6,734/mo
Today · 4.125%
HK$226,450
baseline
▲ 0.50% · 4.625%
HK$240,229
+HK$13,779/mo
Deposit HK$20.02M · loan HK$46.72M · min. income ≈ HK$452,900/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,836,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,058
−HK$12,807/mo
▼ 0.25% · 3.875%
HK$243,416
−HK$6,449/mo
Today · 4.125%
HK$249,865
baseline
▲ 0.50% · 4.625%
HK$263,036
+HK$13,171/mo
Deposit HK$20.02M · loan HK$46.72M · min. income ≈ HK$499,730/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,836,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,970
−HK$17,180/mo
▼ 0.25% · 3.875%
HK$282,492
−HK$8,658/mo
Today · 4.125%
HK$291,150
baseline
▲ 0.50% · 4.625%
HK$308,866
+HK$17,716/mo
Deposit HK$6.67M · loan HK$60.07M · min. income ≈ HK$582,300/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,836,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,789
−HK$16,467/mo
▼ 0.25% · 3.875%
HK$312,963
−HK$8,293/mo
Today · 4.125%
HK$321,256
baseline
▲ 0.50% · 4.625%
HK$338,189
+HK$16,933/mo
Deposit HK$6.67M · loan HK$60.07M · min. income ≈ HK$642,512/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,836,845 · Scale 2, in force from 26 Feb 2026)