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$134,188
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$138,362
−HK$4,240/mo
Today · 4.125%
HK$142,602
baseline
▲ 0.50% · 4.625%
HK$151,279
+HK$8,677/mo
Deposit HK$29.42M · loan HK$29.42M · min. income ≈ HK$285,204/mo (50% DSR)
Upfront cash ≈ HK$31.92M (deposit + AVD stamp duty HK$2,501,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,282
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$153,286
−HK$4,062/mo
Today · 4.125%
HK$157,348
baseline
▲ 0.50% · 4.625%
HK$165,642
+HK$8,294/mo
Deposit HK$29.42M · loan HK$29.42M · min. income ≈ HK$314,696/mo (50% DSR)
Upfront cash ≈ HK$31.92M (deposit + AVD stamp duty HK$2,501,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,025
−HK$10,098/mo
▼ 0.25% · 3.875%
HK$166,034
−HK$5,089/mo
Today · 4.125%
HK$171,123
baseline
▲ 0.50% · 4.625%
HK$181,535
+HK$10,412/mo
Deposit HK$23.54M · loan HK$35.31M · min. income ≈ HK$342,246/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$2,501,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,139
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$183,943
−HK$4,874/mo
Today · 4.125%
HK$188,817
baseline
▲ 0.50% · 4.625%
HK$198,770
+HK$9,953/mo
Deposit HK$23.54M · loan HK$35.31M · min. income ≈ HK$377,634/mo (50% DSR)
Upfront cash ≈ HK$26.04M (deposit + AVD stamp duty HK$2,501,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,863
−HK$11,780/mo
▼ 0.25% · 3.875%
HK$193,706
−HK$5,937/mo
Today · 4.125%
HK$199,643
baseline
▲ 0.50% · 4.625%
HK$211,791
+HK$12,148/mo
Deposit HK$17.65M · loan HK$41.19M · min. income ≈ HK$399,286/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$2,501,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,995
−HK$11,292/mo
▼ 0.25% · 3.875%
HK$214,601
−HK$5,686/mo
Today · 4.125%
HK$220,287
baseline
▲ 0.50% · 4.625%
HK$231,898
+HK$11,611/mo
Deposit HK$17.65M · loan HK$41.19M · min. income ≈ HK$440,574/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$2,501,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,538
−HK$15,146/mo
▼ 0.25% · 3.875%
HK$249,051
−HK$7,633/mo
Today · 4.125%
HK$256,684
baseline
▲ 0.50% · 4.625%
HK$272,303
+HK$15,619/mo
Deposit HK$5.88M · loan HK$52.96M · min. income ≈ HK$513,368/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$2,501,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,708
−HK$14,518/mo
▼ 0.25% · 3.875%
HK$275,915
−HK$7,311/mo
Today · 4.125%
HK$283,226
baseline
▲ 0.50% · 4.625%
HK$298,155
+HK$14,929/mo
Deposit HK$5.88M · loan HK$52.96M · min. income ≈ HK$566,452/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$2,501,024 · Scale 2, in force from 26 Feb 2026)