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$131,689
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,785
−HK$4,162/mo
Today · 4.125%
HK$139,947
baseline
▲ 0.50% · 4.625%
HK$148,463
+HK$8,516/mo
Deposit HK$28.88M · loan HK$28.88M · min. income ≈ HK$279,894/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$2,454,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,503
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$150,432
−HK$3,986/mo
Today · 4.125%
HK$154,418
baseline
▲ 0.50% · 4.625%
HK$162,557
+HK$8,139/mo
Deposit HK$28.88M · loan HK$28.88M · min. income ≈ HK$308,836/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$2,454,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,027
−HK$9,910/mo
▼ 0.25% · 3.875%
HK$162,942
−HK$4,995/mo
Today · 4.125%
HK$167,937
baseline
▲ 0.50% · 4.625%
HK$178,155
+HK$10,218/mo
Deposit HK$23.10M · loan HK$34.65M · min. income ≈ HK$335,874/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,454,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,803
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$180,518
−HK$4,783/mo
Today · 4.125%
HK$185,301
baseline
▲ 0.50% · 4.625%
HK$195,069
+HK$9,768/mo
Deposit HK$23.10M · loan HK$34.65M · min. income ≈ HK$370,602/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,454,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,365
−HK$11,561/mo
▼ 0.25% · 3.875%
HK$190,100
−HK$5,826/mo
Today · 4.125%
HK$195,926
baseline
▲ 0.50% · 4.625%
HK$207,848
+HK$11,922/mo
Deposit HK$17.33M · loan HK$40.43M · min. income ≈ HK$391,852/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,454,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,104
−HK$11,081/mo
▼ 0.25% · 3.875%
HK$210,605
−HK$5,580/mo
Today · 4.125%
HK$216,185
baseline
▲ 0.50% · 4.625%
HK$227,580
+HK$11,395/mo
Deposit HK$17.33M · loan HK$40.43M · min. income ≈ HK$432,370/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,454,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,040
−HK$14,865/mo
▼ 0.25% · 3.875%
HK$244,414
−HK$7,491/mo
Today · 4.125%
HK$251,905
baseline
▲ 0.50% · 4.625%
HK$267,233
+HK$15,328/mo
Deposit HK$5.78M · loan HK$51.98M · min. income ≈ HK$503,810/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,454,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,705
−HK$14,247/mo
▼ 0.25% · 3.875%
HK$270,777
−HK$7,175/mo
Today · 4.125%
HK$277,952
baseline
▲ 0.50% · 4.625%
HK$292,603
+HK$14,651/mo
Deposit HK$5.78M · loan HK$51.98M · min. income ≈ HK$555,904/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,454,456 · Scale 2, in force from 26 Feb 2026)