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$136,789
−HK$8,578/mo
▼ 0.25% · 3.875%
HK$141,044
−HK$4,323/mo
Today · 4.125%
HK$145,367
baseline
▲ 0.50% · 4.625%
HK$154,212
+HK$8,845/mo
Deposit HK$29.99M · loan HK$29.99M · min. income ≈ HK$290,734/mo (50% DSR)
Upfront cash ≈ HK$32.54M (deposit + AVD stamp duty HK$2,549,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,176
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$156,258
−HK$4,140/mo
Today · 4.125%
HK$160,398
baseline
▲ 0.50% · 4.625%
HK$168,853
+HK$8,455/mo
Deposit HK$29.99M · loan HK$29.99M · min. income ≈ HK$320,796/mo (50% DSR)
Upfront cash ≈ HK$32.54M (deposit + AVD stamp duty HK$2,549,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,147
−HK$10,293/mo
▼ 0.25% · 3.875%
HK$169,253
−HK$5,187/mo
Today · 4.125%
HK$174,440
baseline
▲ 0.50% · 4.625%
HK$185,055
+HK$10,615/mo
Deposit HK$24.00M · loan HK$35.99M · min. income ≈ HK$348,880/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,549,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,612
−HK$9,866/mo
▼ 0.25% · 3.875%
HK$187,509
−HK$4,969/mo
Today · 4.125%
HK$192,478
baseline
▲ 0.50% · 4.625%
HK$202,623
+HK$10,145/mo
Deposit HK$24.00M · loan HK$35.99M · min. income ≈ HK$384,956/mo (50% DSR)
Upfront cash ≈ HK$26.54M (deposit + AVD stamp duty HK$2,549,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,505
−HK$12,009/mo
▼ 0.25% · 3.875%
HK$197,462
−HK$6,052/mo
Today · 4.125%
HK$203,514
baseline
▲ 0.50% · 4.625%
HK$215,897
+HK$12,383/mo
Deposit HK$18.00M · loan HK$41.99M · min. income ≈ HK$407,028/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$2,549,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,047
−HK$11,510/mo
▼ 0.25% · 3.875%
HK$218,761
−HK$5,796/mo
Today · 4.125%
HK$224,557
baseline
▲ 0.50% · 4.625%
HK$236,394
+HK$11,837/mo
Deposit HK$18.00M · loan HK$41.99M · min. income ≈ HK$449,114/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$2,549,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,220
−HK$15,441/mo
▼ 0.25% · 3.875%
HK$253,879
−HK$7,782/mo
Today · 4.125%
HK$261,661
baseline
▲ 0.50% · 4.625%
HK$277,582
+HK$15,921/mo
Deposit HK$6.00M · loan HK$53.99M · min. income ≈ HK$523,322/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,549,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,918
−HK$14,799/mo
▼ 0.25% · 3.875%
HK$281,264
−HK$7,453/mo
Today · 4.125%
HK$288,717
baseline
▲ 0.50% · 4.625%
HK$303,935
+HK$15,218/mo
Deposit HK$6.00M · loan HK$53.99M · min. income ≈ HK$577,434/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$2,549,510 · Scale 2, in force from 26 Feb 2026)