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$148,125
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$152,732
−HK$4,681/mo
Today · 4.125%
HK$157,413
baseline
▲ 0.50% · 4.625%
HK$166,992
+HK$9,579/mo
Deposit HK$32.48M · loan HK$32.48M · min. income ≈ HK$314,826/mo (50% DSR)
Upfront cash ≈ HK$35.24M (deposit + AVD stamp duty HK$2,760,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,787
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$169,207
−HK$4,483/mo
Today · 4.125%
HK$173,690
baseline
▲ 0.50% · 4.625%
HK$182,846
+HK$9,156/mo
Deposit HK$32.48M · loan HK$32.48M · min. income ≈ HK$347,380/mo (50% DSR)
Upfront cash ≈ HK$35.24M (deposit + AVD stamp duty HK$2,760,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,750
−HK$11,146/mo
▼ 0.25% · 3.875%
HK$183,279
−HK$5,617/mo
Today · 4.125%
HK$188,896
baseline
▲ 0.50% · 4.625%
HK$200,390
+HK$11,494/mo
Deposit HK$25.98M · loan HK$38.98M · min. income ≈ HK$377,792/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,760,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,745
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$203,048
−HK$5,380/mo
Today · 4.125%
HK$208,428
baseline
▲ 0.50% · 4.625%
HK$219,415
+HK$10,987/mo
Deposit HK$25.98M · loan HK$38.98M · min. income ≈ HK$416,856/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,760,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,375
−HK$13,004/mo
▼ 0.25% · 3.875%
HK$213,825
−HK$6,554/mo
Today · 4.125%
HK$220,379
baseline
▲ 0.50% · 4.625%
HK$233,788
+HK$13,409/mo
Deposit HK$19.49M · loan HK$45.47M · min. income ≈ HK$440,758/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$2,760,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,702
−HK$12,464/mo
▼ 0.25% · 3.875%
HK$236,889
−HK$6,277/mo
Today · 4.125%
HK$243,166
baseline
▲ 0.50% · 4.625%
HK$255,984
+HK$12,818/mo
Deposit HK$19.49M · loan HK$45.47M · min. income ≈ HK$486,332/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$2,760,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,624
−HK$16,720/mo
▼ 0.25% · 3.875%
HK$274,918
−HK$8,426/mo
Today · 4.125%
HK$283,344
baseline
▲ 0.50% · 4.625%
HK$300,585
+HK$17,241/mo
Deposit HK$6.50M · loan HK$58.46M · min. income ≈ HK$566,688/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,760,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,617
−HK$16,025/mo
▼ 0.25% · 3.875%
HK$304,572
−HK$8,070/mo
Today · 4.125%
HK$312,642
baseline
▲ 0.50% · 4.625%
HK$329,122
+HK$16,480/mo
Deposit HK$6.50M · loan HK$58.46M · min. income ≈ HK$625,284/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,760,786 · Scale 2, in force from 26 Feb 2026)