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$153,539
−HK$9,628/mo
▼ 0.25% · 3.875%
HK$158,315
−HK$4,852/mo
Today · 4.125%
HK$163,167
baseline
▲ 0.50% · 4.625%
HK$173,096
+HK$9,929/mo
Deposit HK$33.67M · loan HK$33.67M · min. income ≈ HK$326,334/mo (50% DSR)
Upfront cash ≈ HK$36.53M (deposit + AVD stamp duty HK$2,861,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,811
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$175,392
−HK$4,647/mo
Today · 4.125%
HK$180,039
baseline
▲ 0.50% · 4.625%
HK$189,529
+HK$9,490/mo
Deposit HK$33.67M · loan HK$33.67M · min. income ≈ HK$360,078/mo (50% DSR)
Upfront cash ≈ HK$36.53M (deposit + AVD stamp duty HK$2,861,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,247
−HK$11,554/mo
▼ 0.25% · 3.875%
HK$189,978
−HK$5,823/mo
Today · 4.125%
HK$195,801
baseline
▲ 0.50% · 4.625%
HK$207,715
+HK$11,914/mo
Deposit HK$26.93M · loan HK$40.40M · min. income ≈ HK$391,602/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,861,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,973
−HK$11,074/mo
▼ 0.25% · 3.875%
HK$210,470
−HK$5,577/mo
Today · 4.125%
HK$216,047
baseline
▲ 0.50% · 4.625%
HK$227,435
+HK$11,388/mo
Deposit HK$26.93M · loan HK$40.40M · min. income ≈ HK$432,094/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,861,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,955
−HK$13,479/mo
▼ 0.25% · 3.875%
HK$221,641
−HK$6,793/mo
Today · 4.125%
HK$228,434
baseline
▲ 0.50% · 4.625%
HK$242,334
+HK$13,900/mo
Deposit HK$20.20M · loan HK$47.13M · min. income ≈ HK$456,868/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,861,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,135
−HK$12,920/mo
▼ 0.25% · 3.875%
HK$245,548
−HK$6,507/mo
Today · 4.125%
HK$252,055
baseline
▲ 0.50% · 4.625%
HK$265,341
+HK$13,286/mo
Deposit HK$20.20M · loan HK$47.13M · min. income ≈ HK$504,110/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,861,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,370
−HK$17,331/mo
▼ 0.25% · 3.875%
HK$284,967
−HK$8,734/mo
Today · 4.125%
HK$293,701
baseline
▲ 0.50% · 4.625%
HK$311,572
+HK$17,871/mo
Deposit HK$6.73M · loan HK$60.60M · min. income ≈ HK$587,402/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$2,861,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,459
−HK$16,611/mo
▼ 0.25% · 3.875%
HK$315,705
−HK$8,365/mo
Today · 4.125%
HK$324,070
baseline
▲ 0.50% · 4.625%
HK$341,152
+HK$17,082/mo
Deposit HK$6.73M · loan HK$60.60M · min. income ≈ HK$648,140/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$2,861,701 · Scale 2, in force from 26 Feb 2026)