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$134,565
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$138,750
−HK$4,253/mo
Today · 4.125%
HK$143,003
baseline
▲ 0.50% · 4.625%
HK$151,705
+HK$8,702/mo
Deposit HK$29.51M · loan HK$29.51M · min. income ≈ HK$286,006/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,508,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,702
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$153,717
−HK$4,073/mo
Today · 4.125%
HK$157,790
baseline
▲ 0.50% · 4.625%
HK$166,107
+HK$8,317/mo
Deposit HK$29.51M · loan HK$29.51M · min. income ≈ HK$315,580/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,508,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,478
−HK$10,126/mo
▼ 0.25% · 3.875%
HK$166,501
−HK$5,103/mo
Today · 4.125%
HK$171,604
baseline
▲ 0.50% · 4.625%
HK$182,045
+HK$10,441/mo
Deposit HK$23.61M · loan HK$35.41M · min. income ≈ HK$343,208/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,508,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,642
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$184,460
−HK$4,888/mo
Today · 4.125%
HK$189,348
baseline
▲ 0.50% · 4.625%
HK$199,329
+HK$9,981/mo
Deposit HK$23.61M · loan HK$35.41M · min. income ≈ HK$378,696/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,508,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,391
−HK$11,813/mo
▼ 0.25% · 3.875%
HK$194,251
−HK$5,953/mo
Today · 4.125%
HK$200,204
baseline
▲ 0.50% · 4.625%
HK$212,386
+HK$12,182/mo
Deposit HK$17.70M · loan HK$41.31M · min. income ≈ HK$400,408/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,508,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,583
−HK$11,323/mo
▼ 0.25% · 3.875%
HK$215,204
−HK$5,702/mo
Today · 4.125%
HK$220,906
baseline
▲ 0.50% · 4.625%
HK$232,550
+HK$11,644/mo
Deposit HK$17.70M · loan HK$41.31M · min. income ≈ HK$441,812/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,508,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,217
−HK$15,189/mo
▼ 0.25% · 3.875%
HK$249,751
−HK$7,655/mo
Today · 4.125%
HK$257,406
baseline
▲ 0.50% · 4.625%
HK$273,068
+HK$15,662/mo
Deposit HK$5.90M · loan HK$53.11M · min. income ≈ HK$514,812/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,508,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,463
−HK$14,559/mo
▼ 0.25% · 3.875%
HK$276,690
−HK$7,332/mo
Today · 4.125%
HK$284,022
baseline
▲ 0.50% · 4.625%
HK$298,993
+HK$14,971/mo
Deposit HK$5.90M · loan HK$53.11M · min. income ≈ HK$568,044/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,508,052 · Scale 2, in force from 26 Feb 2026)