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$141,425
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$145,824
−HK$4,470/mo
Today · 4.125%
HK$150,294
baseline
▲ 0.50% · 4.625%
HK$159,439
+HK$9,145/mo
Deposit HK$31.01M · loan HK$31.01M · min. income ≈ HK$300,588/mo (50% DSR)
Upfront cash ≈ HK$33.65M (deposit + AVD stamp duty HK$2,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,334
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$161,554
−HK$4,280/mo
Today · 4.125%
HK$165,834
baseline
▲ 0.50% · 4.625%
HK$174,576
+HK$8,742/mo
Deposit HK$31.01M · loan HK$31.01M · min. income ≈ HK$331,668/mo (50% DSR)
Upfront cash ≈ HK$33.65M (deposit + AVD stamp duty HK$2,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,710
−HK$10,643/mo
▼ 0.25% · 3.875%
HK$174,989
−HK$5,364/mo
Today · 4.125%
HK$180,353
baseline
▲ 0.50% · 4.625%
HK$191,327
+HK$10,974/mo
Deposit HK$24.81M · loan HK$37.21M · min. income ≈ HK$360,706/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,801
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$193,865
−HK$5,136/mo
Today · 4.125%
HK$199,001
baseline
▲ 0.50% · 4.625%
HK$209,491
+HK$10,490/mo
Deposit HK$24.81M · loan HK$37.21M · min. income ≈ HK$398,002/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,995
−HK$12,416/mo
▼ 0.25% · 3.875%
HK$204,154
−HK$6,257/mo
Today · 4.125%
HK$210,411
baseline
▲ 0.50% · 4.625%
HK$223,214
+HK$12,803/mo
Deposit HK$18.61M · loan HK$43.42M · min. income ≈ HK$420,822/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,268
−HK$11,900/mo
▼ 0.25% · 3.875%
HK$226,175
−HK$5,993/mo
Today · 4.125%
HK$232,168
baseline
▲ 0.50% · 4.625%
HK$244,406
+HK$12,238/mo
Deposit HK$18.61M · loan HK$43.42M · min. income ≈ HK$464,336/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,565
−HK$15,964/mo
▼ 0.25% · 3.875%
HK$262,484
−HK$8,045/mo
Today · 4.125%
HK$270,529
baseline
▲ 0.50% · 4.625%
HK$286,990
+HK$16,461/mo
Deposit HK$6.20M · loan HK$55.82M · min. income ≈ HK$541,058/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,202
−HK$15,300/mo
▼ 0.25% · 3.875%
HK$290,797
−HK$7,705/mo
Today · 4.125%
HK$298,502
baseline
▲ 0.50% · 4.625%
HK$314,237
+HK$15,735/mo
Deposit HK$6.20M · loan HK$55.82M · min. income ≈ HK$597,004/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,921 · Scale 2, in force from 26 Feb 2026)