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$142,879
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$147,323
−HK$4,516/mo
Today · 4.125%
HK$151,839
baseline
▲ 0.50% · 4.625%
HK$161,078
+HK$9,239/mo
Deposit HK$31.33M · loan HK$31.33M · min. income ≈ HK$303,678/mo (50% DSR)
Upfront cash ≈ HK$33.99M (deposit + AVD stamp duty HK$2,663,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,952
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$163,215
−HK$4,324/mo
Today · 4.125%
HK$167,539
baseline
▲ 0.50% · 4.625%
HK$176,370
+HK$8,831/mo
Deposit HK$31.33M · loan HK$31.33M · min. income ≈ HK$335,078/mo (50% DSR)
Upfront cash ≈ HK$33.99M (deposit + AVD stamp duty HK$2,663,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,455
−HK$10,752/mo
▼ 0.25% · 3.875%
HK$176,788
−HK$5,419/mo
Today · 4.125%
HK$182,207
baseline
▲ 0.50% · 4.625%
HK$193,294
+HK$11,087/mo
Deposit HK$25.06M · loan HK$37.60M · min. income ≈ HK$364,414/mo (50% DSR)
Upfront cash ≈ HK$27.73M (deposit + AVD stamp duty HK$2,663,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,742
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$195,857
−HK$5,190/mo
Today · 4.125%
HK$201,047
baseline
▲ 0.50% · 4.625%
HK$211,645
+HK$10,598/mo
Deposit HK$25.06M · loan HK$37.60M · min. income ≈ HK$402,094/mo (50% DSR)
Upfront cash ≈ HK$27.73M (deposit + AVD stamp duty HK$2,663,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,031
−HK$12,543/mo
▼ 0.25% · 3.875%
HK$206,253
−HK$6,321/mo
Today · 4.125%
HK$212,574
baseline
▲ 0.50% · 4.625%
HK$225,509
+HK$12,935/mo
Deposit HK$18.80M · loan HK$43.86M · min. income ≈ HK$425,148/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,663,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,532
−HK$12,023/mo
▼ 0.25% · 3.875%
HK$228,500
−HK$6,055/mo
Today · 4.125%
HK$234,555
baseline
▲ 0.50% · 4.625%
HK$246,919
+HK$12,364/mo
Deposit HK$18.80M · loan HK$43.86M · min. income ≈ HK$469,110/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,663,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,182
−HK$16,128/mo
▼ 0.25% · 3.875%
HK$265,182
−HK$8,128/mo
Today · 4.125%
HK$273,310
baseline
▲ 0.50% · 4.625%
HK$289,940
+HK$16,630/mo
Deposit HK$6.27M · loan HK$56.39M · min. income ≈ HK$546,620/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$2,663,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,113
−HK$15,458/mo
▼ 0.25% · 3.875%
HK$293,786
−HK$7,785/mo
Today · 4.125%
HK$301,571
baseline
▲ 0.50% · 4.625%
HK$317,467
+HK$15,896/mo
Deposit HK$6.27M · loan HK$56.39M · min. income ≈ HK$603,142/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$2,663,018 · Scale 2, in force from 26 Feb 2026)