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$149,136
−HK$9,352/mo
▼ 0.25% · 3.875%
HK$153,775
−HK$4,713/mo
Today · 4.125%
HK$158,488
baseline
▲ 0.50% · 4.625%
HK$168,132
+HK$9,644/mo
Deposit HK$32.70M · loan HK$32.70M · min. income ≈ HK$316,976/mo (50% DSR)
Upfront cash ≈ HK$35.48M (deposit + AVD stamp duty HK$2,779,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,913
−HK$8,963/mo
▼ 0.25% · 3.875%
HK$170,362
−HK$4,514/mo
Today · 4.125%
HK$174,876
baseline
▲ 0.50% · 4.625%
HK$184,094
+HK$9,218/mo
Deposit HK$32.70M · loan HK$32.70M · min. income ≈ HK$349,752/mo (50% DSR)
Upfront cash ≈ HK$35.48M (deposit + AVD stamp duty HK$2,779,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,963
−HK$11,223/mo
▼ 0.25% · 3.875%
HK$184,530
−HK$5,656/mo
Today · 4.125%
HK$190,186
baseline
▲ 0.50% · 4.625%
HK$201,758
+HK$11,572/mo
Deposit HK$26.16M · loan HK$39.24M · min. income ≈ HK$380,372/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,779,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,095
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$204,435
−HK$5,417/mo
Today · 4.125%
HK$209,852
baseline
▲ 0.50% · 4.625%
HK$220,913
+HK$11,061/mo
Deposit HK$26.16M · loan HK$39.24M · min. income ≈ HK$419,704/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,779,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,791
−HK$13,093/mo
▼ 0.25% · 3.875%
HK$215,285
−HK$6,599/mo
Today · 4.125%
HK$221,884
baseline
▲ 0.50% · 4.625%
HK$235,385
+HK$13,501/mo
Deposit HK$19.62M · loan HK$45.78M · min. income ≈ HK$443,768/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,779,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,278
−HK$12,549/mo
▼ 0.25% · 3.875%
HK$238,507
−HK$6,320/mo
Today · 4.125%
HK$244,827
baseline
▲ 0.50% · 4.625%
HK$257,732
+HK$12,905/mo
Deposit HK$19.62M · loan HK$45.78M · min. income ≈ HK$489,654/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,779,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,445
−HK$16,834/mo
▼ 0.25% · 3.875%
HK$276,795
−HK$8,484/mo
Today · 4.125%
HK$285,279
baseline
▲ 0.50% · 4.625%
HK$302,638
+HK$17,359/mo
Deposit HK$6.54M · loan HK$58.86M · min. income ≈ HK$570,558/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$2,779,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,643
−HK$16,134/mo
▼ 0.25% · 3.875%
HK$306,652
−HK$8,125/mo
Today · 4.125%
HK$314,777
baseline
▲ 0.50% · 4.625%
HK$331,370
+HK$16,593/mo
Deposit HK$6.54M · loan HK$58.86M · min. income ≈ HK$629,554/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$2,779,640 · Scale 2, in force from 26 Feb 2026)