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$149,416
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$154,064
−HK$4,722/mo
Today · 4.125%
HK$158,786
baseline
▲ 0.50% · 4.625%
HK$168,448
+HK$9,662/mo
Deposit HK$32.76M · loan HK$32.76M · min. income ≈ HK$317,572/mo (50% DSR)
Upfront cash ≈ HK$35.55M (deposit + AVD stamp duty HK$2,784,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,224
−HK$8,981/mo
▼ 0.25% · 3.875%
HK$170,682
−HK$4,523/mo
Today · 4.125%
HK$175,205
baseline
▲ 0.50% · 4.625%
HK$184,440
+HK$9,235/mo
Deposit HK$32.76M · loan HK$32.76M · min. income ≈ HK$350,410/mo (50% DSR)
Upfront cash ≈ HK$35.55M (deposit + AVD stamp duty HK$2,784,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,299
−HK$11,244/mo
▼ 0.25% · 3.875%
HK$184,877
−HK$5,666/mo
Today · 4.125%
HK$190,543
baseline
▲ 0.50% · 4.625%
HK$202,137
+HK$11,594/mo
Deposit HK$26.21M · loan HK$39.32M · min. income ≈ HK$381,086/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,784,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,469
−HK$10,777/mo
▼ 0.25% · 3.875%
HK$204,818
−HK$5,428/mo
Today · 4.125%
HK$210,246
baseline
▲ 0.50% · 4.625%
HK$221,328
+HK$11,082/mo
Deposit HK$26.21M · loan HK$39.32M · min. income ≈ HK$420,492/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,784,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,183
−HK$13,117/mo
▼ 0.25% · 3.875%
HK$215,689
−HK$6,611/mo
Today · 4.125%
HK$222,300
baseline
▲ 0.50% · 4.625%
HK$235,827
+HK$13,527/mo
Deposit HK$19.66M · loan HK$45.87M · min. income ≈ HK$444,600/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,784,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,714
−HK$12,572/mo
▼ 0.25% · 3.875%
HK$238,955
−HK$6,331/mo
Today · 4.125%
HK$245,286
baseline
▲ 0.50% · 4.625%
HK$258,216
+HK$12,930/mo
Deposit HK$19.66M · loan HK$45.87M · min. income ≈ HK$490,572/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,784,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,949
−HK$16,866/mo
▼ 0.25% · 3.875%
HK$277,315
−HK$8,500/mo
Today · 4.125%
HK$285,815
baseline
▲ 0.50% · 4.625%
HK$303,206
+HK$17,391/mo
Deposit HK$6.55M · loan HK$58.97M · min. income ≈ HK$571,630/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,784,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,203
−HK$16,165/mo
▼ 0.25% · 3.875%
HK$307,228
−HK$8,140/mo
Today · 4.125%
HK$315,368
baseline
▲ 0.50% · 4.625%
HK$331,992
+HK$16,624/mo
Deposit HK$6.55M · loan HK$58.97M · min. income ≈ HK$630,736/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,784,858 · Scale 2, in force from 26 Feb 2026)