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$172,002
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$177,353
−HK$5,435/mo
Today · 4.125%
HK$182,788
baseline
▲ 0.50% · 4.625%
HK$193,911
+HK$11,123/mo
Deposit HK$37.72M · loan HK$37.72M · min. income ≈ HK$365,576/mo (50% DSR)
Upfront cash ≈ HK$40.92M (deposit + AVD stamp duty HK$3,205,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,351
−HK$10,338/mo
▼ 0.25% · 3.875%
HK$196,483
−HK$5,206/mo
Today · 4.125%
HK$201,689
baseline
▲ 0.50% · 4.625%
HK$212,320
+HK$10,631/mo
Deposit HK$37.72M · loan HK$37.72M · min. income ≈ HK$403,378/mo (50% DSR)
Upfront cash ≈ HK$40.92M (deposit + AVD stamp duty HK$3,205,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,403
−HK$12,943/mo
▼ 0.25% · 3.875%
HK$212,823
−HK$6,523/mo
Today · 4.125%
HK$219,346
baseline
▲ 0.50% · 4.625%
HK$232,693
+HK$13,347/mo
Deposit HK$30.17M · loan HK$45.26M · min. income ≈ HK$438,692/mo (50% DSR)
Upfront cash ≈ HK$33.38M (deposit + AVD stamp duty HK$3,205,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,621
−HK$12,406/mo
▼ 0.25% · 3.875%
HK$235,779
−HK$6,248/mo
Today · 4.125%
HK$242,027
baseline
▲ 0.50% · 4.625%
HK$254,784
+HK$12,757/mo
Deposit HK$30.17M · loan HK$45.26M · min. income ≈ HK$484,054/mo (50% DSR)
Upfront cash ≈ HK$33.38M (deposit + AVD stamp duty HK$3,205,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,803
−HK$15,101/mo
▼ 0.25% · 3.875%
HK$248,294
−HK$7,610/mo
Today · 4.125%
HK$255,904
baseline
▲ 0.50% · 4.625%
HK$271,475
+HK$15,571/mo
Deposit HK$22.63M · loan HK$52.80M · min. income ≈ HK$511,808/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$3,205,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,891
−HK$14,474/mo
▼ 0.25% · 3.875%
HK$275,076
−HK$7,289/mo
Today · 4.125%
HK$282,365
baseline
▲ 0.50% · 4.625%
HK$297,248
+HK$14,883/mo
Deposit HK$22.63M · loan HK$52.80M · min. income ≈ HK$564,730/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$3,205,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,604
−HK$19,415/mo
▼ 0.25% · 3.875%
HK$319,235
−HK$9,784/mo
Today · 4.125%
HK$329,019
baseline
▲ 0.50% · 4.625%
HK$349,039
+HK$20,020/mo
Deposit HK$7.54M · loan HK$67.89M · min. income ≈ HK$658,038/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$3,205,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$344,432
−HK$18,608/mo
▼ 0.25% · 3.875%
HK$353,669
−HK$9,371/mo
Today · 4.125%
HK$363,040
baseline
▲ 0.50% · 4.625%
HK$382,176
+HK$19,136/mo
Deposit HK$7.54M · loan HK$67.89M · min. income ≈ HK$726,080/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$3,205,824 · Scale 2, in force from 26 Feb 2026)