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$180,958
−HK$11,347/mo
▼ 0.25% · 3.875%
HK$186,586
−HK$5,719/mo
Today · 4.125%
HK$192,305
baseline
▲ 0.50% · 4.625%
HK$204,007
+HK$11,702/mo
Deposit HK$39.68M · loan HK$39.68M · min. income ≈ HK$384,610/mo (50% DSR)
Upfront cash ≈ HK$43.05M (deposit + AVD stamp duty HK$3,372,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,314
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$206,713
−HK$5,477/mo
Today · 4.125%
HK$212,190
baseline
▲ 0.50% · 4.625%
HK$223,375
+HK$11,185/mo
Deposit HK$39.68M · loan HK$39.68M · min. income ≈ HK$424,380/mo (50% DSR)
Upfront cash ≈ HK$43.05M (deposit + AVD stamp duty HK$3,372,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,149
−HK$13,617/mo
▼ 0.25% · 3.875%
HK$223,904
−HK$6,862/mo
Today · 4.125%
HK$230,766
baseline
▲ 0.50% · 4.625%
HK$244,808
+HK$14,042/mo
Deposit HK$31.74M · loan HK$47.62M · min. income ≈ HK$461,532/mo (50% DSR)
Upfront cash ≈ HK$35.12M (deposit + AVD stamp duty HK$3,372,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,576
−HK$13,052/mo
▼ 0.25% · 3.875%
HK$248,055
−HK$6,573/mo
Today · 4.125%
HK$254,628
baseline
▲ 0.50% · 4.625%
HK$268,050
+HK$13,422/mo
Deposit HK$31.74M · loan HK$47.62M · min. income ≈ HK$509,256/mo (50% DSR)
Upfront cash ≈ HK$35.12M (deposit + AVD stamp duty HK$3,372,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,341
−HK$15,886/mo
▼ 0.25% · 3.875%
HK$261,221
−HK$8,006/mo
Today · 4.125%
HK$269,227
baseline
▲ 0.50% · 4.625%
HK$285,609
+HK$16,382/mo
Deposit HK$23.81M · loan HK$55.55M · min. income ≈ HK$538,454/mo (50% DSR)
Upfront cash ≈ HK$27.18M (deposit + AVD stamp duty HK$3,372,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,839
−HK$15,227/mo
▼ 0.25% · 3.875%
HK$289,398
−HK$7,668/mo
Today · 4.125%
HK$297,066
baseline
▲ 0.50% · 4.625%
HK$312,725
+HK$15,659/mo
Deposit HK$23.81M · loan HK$55.55M · min. income ≈ HK$594,132/mo (50% DSR)
Upfront cash ≈ HK$27.18M (deposit + AVD stamp duty HK$3,372,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$325,724
−HK$20,425/mo
▼ 0.25% · 3.875%
HK$335,856
−HK$10,293/mo
Today · 4.125%
HK$346,149
baseline
▲ 0.50% · 4.625%
HK$367,212
+HK$21,063/mo
Deposit HK$7.94M · loan HK$71.42M · min. income ≈ HK$692,298/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$3,372,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$362,364
−HK$19,578/mo
▼ 0.25% · 3.875%
HK$372,083
−HK$9,859/mo
Today · 4.125%
HK$381,942
baseline
▲ 0.50% · 4.625%
HK$402,074
+HK$20,132/mo
Deposit HK$7.94M · loan HK$71.42M · min. income ≈ HK$763,884/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$3,372,735 · Scale 2, in force from 26 Feb 2026)