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$158,510
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$163,441
−HK$5,009/mo
Today · 4.125%
HK$168,450
baseline
▲ 0.50% · 4.625%
HK$178,700
+HK$10,250/mo
Deposit HK$34.76M · loan HK$34.76M · min. income ≈ HK$336,900/mo (50% DSR)
Upfront cash ≈ HK$37.71M (deposit + AVD stamp duty HK$2,954,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,341
−HK$9,527/mo
▼ 0.25% · 3.875%
HK$181,070
−HK$4,798/mo
Today · 4.125%
HK$185,868
baseline
▲ 0.50% · 4.625%
HK$195,665
+HK$9,797/mo
Deposit HK$34.76M · loan HK$34.76M · min. income ≈ HK$371,736/mo (50% DSR)
Upfront cash ≈ HK$37.71M (deposit + AVD stamp duty HK$2,954,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,212
−HK$11,928/mo
▼ 0.25% · 3.875%
HK$196,129
−HK$6,011/mo
Today · 4.125%
HK$202,140
baseline
▲ 0.50% · 4.625%
HK$214,440
+HK$12,300/mo
Deposit HK$27.81M · loan HK$41.71M · min. income ≈ HK$404,280/mo (50% DSR)
Upfront cash ≈ HK$30.76M (deposit + AVD stamp duty HK$2,954,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,609
−HK$11,433/mo
▼ 0.25% · 3.875%
HK$217,284
−HK$5,758/mo
Today · 4.125%
HK$223,042
baseline
▲ 0.50% · 4.625%
HK$234,798
+HK$11,756/mo
Deposit HK$27.81M · loan HK$41.71M · min. income ≈ HK$446,084/mo (50% DSR)
Upfront cash ≈ HK$30.76M (deposit + AVD stamp duty HK$2,954,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,914
−HK$13,916/mo
▼ 0.25% · 3.875%
HK$228,817
−HK$7,013/mo
Today · 4.125%
HK$235,830
baseline
▲ 0.50% · 4.625%
HK$250,180
+HK$14,350/mo
Deposit HK$20.85M · loan HK$48.66M · min. income ≈ HK$471,660/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,954,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,877
−HK$13,338/mo
▼ 0.25% · 3.875%
HK$253,498
−HK$6,717/mo
Today · 4.125%
HK$260,215
baseline
▲ 0.50% · 4.625%
HK$273,931
+HK$13,716/mo
Deposit HK$20.85M · loan HK$48.66M · min. income ≈ HK$520,430/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,954,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,318
−HK$17,892/mo
▼ 0.25% · 3.875%
HK$294,193
−HK$9,017/mo
Today · 4.125%
HK$303,210
baseline
▲ 0.50% · 4.625%
HK$321,660
+HK$18,450/mo
Deposit HK$6.95M · loan HK$62.56M · min. income ≈ HK$606,420/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,954,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,413
−HK$17,149/mo
▼ 0.25% · 3.875%
HK$325,926
−HK$8,636/mo
Today · 4.125%
HK$334,562
baseline
▲ 0.50% · 4.625%
HK$352,198
+HK$17,636/mo
Deposit HK$6.95M · loan HK$62.56M · min. income ≈ HK$669,124/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,954,351 · Scale 2, in force from 26 Feb 2026)