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$166,034
−HK$10,412/mo
▼ 0.25% · 3.875%
HK$171,199
−HK$5,247/mo
Today · 4.125%
HK$176,446
baseline
▲ 0.50% · 4.625%
HK$187,183
+HK$10,737/mo
Deposit HK$36.41M · loan HK$36.41M · min. income ≈ HK$352,892/mo (50% DSR)
Upfront cash ≈ HK$39.50M (deposit + AVD stamp duty HK$3,094,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,712
−HK$9,979/mo
▼ 0.25% · 3.875%
HK$189,665
−HK$5,026/mo
Today · 4.125%
HK$194,691
baseline
▲ 0.50% · 4.625%
HK$204,953
+HK$10,262/mo
Deposit HK$36.41M · loan HK$36.41M · min. income ≈ HK$389,382/mo (50% DSR)
Upfront cash ≈ HK$39.50M (deposit + AVD stamp duty HK$3,094,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,241
−HK$12,494/mo
▼ 0.25% · 3.875%
HK$205,439
−HK$6,296/mo
Today · 4.125%
HK$211,735
baseline
▲ 0.50% · 4.625%
HK$224,619
+HK$12,884/mo
Deposit HK$29.13M · loan HK$43.69M · min. income ≈ HK$423,470/mo (50% DSR)
Upfront cash ≈ HK$32.22M (deposit + AVD stamp duty HK$3,094,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,654
−HK$11,975/mo
▼ 0.25% · 3.875%
HK$227,599
−HK$6,030/mo
Today · 4.125%
HK$233,629
baseline
▲ 0.50% · 4.625%
HK$245,944
+HK$12,315/mo
Deposit HK$29.13M · loan HK$43.69M · min. income ≈ HK$467,258/mo (50% DSR)
Upfront cash ≈ HK$32.22M (deposit + AVD stamp duty HK$3,094,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,448
−HK$14,577/mo
▼ 0.25% · 3.875%
HK$239,679
−HK$7,346/mo
Today · 4.125%
HK$247,025
baseline
▲ 0.50% · 4.625%
HK$262,056
+HK$15,031/mo
Deposit HK$21.84M · loan HK$50.97M · min. income ≈ HK$494,050/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$3,094,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,596
−HK$13,971/mo
▼ 0.25% · 3.875%
HK$265,532
−HK$7,035/mo
Today · 4.125%
HK$272,567
baseline
▲ 0.50% · 4.625%
HK$286,935
+HK$14,368/mo
Deposit HK$21.84M · loan HK$50.97M · min. income ≈ HK$545,134/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$3,094,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,862
−HK$18,741/mo
▼ 0.25% · 3.875%
HK$308,158
−HK$9,445/mo
Today · 4.125%
HK$317,603
baseline
▲ 0.50% · 4.625%
HK$336,929
+HK$19,326/mo
Deposit HK$7.28M · loan HK$65.53M · min. income ≈ HK$635,206/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$3,094,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$332,481
−HK$17,963/mo
▼ 0.25% · 3.875%
HK$341,398
−HK$9,046/mo
Today · 4.125%
HK$350,444
baseline
▲ 0.50% · 4.625%
HK$368,916
+HK$18,472/mo
Deposit HK$7.28M · loan HK$65.53M · min. income ≈ HK$700,888/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$3,094,592 · Scale 2, in force from 26 Feb 2026)