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$135,185
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$139,390
−HK$4,272/mo
Today · 4.125%
HK$143,662
baseline
▲ 0.50% · 4.625%
HK$152,404
+HK$8,742/mo
Deposit HK$29.64M · loan HK$29.64M · min. income ≈ HK$287,324/mo (50% DSR)
Upfront cash ≈ HK$32.16M (deposit + AVD stamp duty HK$2,519,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,392
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$154,425
−HK$4,092/mo
Today · 4.125%
HK$158,517
baseline
▲ 0.50% · 4.625%
HK$166,873
+HK$8,356/mo
Deposit HK$29.64M · loan HK$29.64M · min. income ≈ HK$317,034/mo (50% DSR)
Upfront cash ≈ HK$32.16M (deposit + AVD stamp duty HK$2,519,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,222
−HK$10,172/mo
▼ 0.25% · 3.875%
HK$167,268
−HK$5,126/mo
Today · 4.125%
HK$172,394
baseline
▲ 0.50% · 4.625%
HK$182,884
+HK$10,490/mo
Deposit HK$23.71M · loan HK$35.57M · min. income ≈ HK$344,788/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$2,519,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,470
−HK$9,750/mo
▼ 0.25% · 3.875%
HK$185,310
−HK$4,910/mo
Today · 4.125%
HK$190,220
baseline
▲ 0.50% · 4.625%
HK$200,247
+HK$10,027/mo
Deposit HK$23.71M · loan HK$35.57M · min. income ≈ HK$380,440/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$2,519,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,259
−HK$11,868/mo
▼ 0.25% · 3.875%
HK$195,146
−HK$5,981/mo
Today · 4.125%
HK$201,127
baseline
▲ 0.50% · 4.625%
HK$213,365
+HK$12,238/mo
Deposit HK$17.79M · loan HK$41.50M · min. income ≈ HK$402,254/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$2,519,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,548
−HK$11,376/mo
▼ 0.25% · 3.875%
HK$216,195
−HK$5,729/mo
Today · 4.125%
HK$221,924
baseline
▲ 0.50% · 4.625%
HK$233,622
+HK$11,698/mo
Deposit HK$17.79M · loan HK$41.50M · min. income ≈ HK$443,848/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$2,519,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,333
−HK$15,259/mo
▼ 0.25% · 3.875%
HK$250,902
−HK$7,690/mo
Today · 4.125%
HK$258,592
baseline
▲ 0.50% · 4.625%
HK$274,326
+HK$15,734/mo
Deposit HK$5.93M · loan HK$53.36M · min. income ≈ HK$517,184/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,519,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,705
−HK$14,625/mo
▼ 0.25% · 3.875%
HK$277,965
−HK$7,365/mo
Today · 4.125%
HK$285,330
baseline
▲ 0.50% · 4.625%
HK$300,371
+HK$15,041/mo
Deposit HK$5.93M · loan HK$53.36M · min. income ≈ HK$570,660/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,519,609 · Scale 2, in force from 26 Feb 2026)