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$176,161
−HK$11,047/mo
▼ 0.25% · 3.875%
HK$181,641
−HK$5,567/mo
Today · 4.125%
HK$187,208
baseline
▲ 0.50% · 4.625%
HK$198,600
+HK$11,392/mo
Deposit HK$38.63M · loan HK$38.63M · min. income ≈ HK$374,416/mo (50% DSR)
Upfront cash ≈ HK$41.91M (deposit + AVD stamp duty HK$3,283,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,978
−HK$10,588/mo
▼ 0.25% · 3.875%
HK$201,234
−HK$5,332/mo
Today · 4.125%
HK$206,566
baseline
▲ 0.50% · 4.625%
HK$217,454
+HK$10,888/mo
Deposit HK$38.63M · loan HK$38.63M · min. income ≈ HK$413,132/mo (50% DSR)
Upfront cash ≈ HK$41.91M (deposit + AVD stamp duty HK$3,283,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,394
−HK$13,256/mo
▼ 0.25% · 3.875%
HK$217,969
−HK$6,681/mo
Today · 4.125%
HK$224,650
baseline
▲ 0.50% · 4.625%
HK$238,319
+HK$13,669/mo
Deposit HK$30.90M · loan HK$46.35M · min. income ≈ HK$449,300/mo (50% DSR)
Upfront cash ≈ HK$34.19M (deposit + AVD stamp duty HK$3,283,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,173
−HK$12,706/mo
▼ 0.25% · 3.875%
HK$241,481
−HK$6,398/mo
Today · 4.125%
HK$247,879
baseline
▲ 0.50% · 4.625%
HK$260,945
+HK$13,066/mo
Deposit HK$30.90M · loan HK$46.35M · min. income ≈ HK$495,758/mo (50% DSR)
Upfront cash ≈ HK$34.19M (deposit + AVD stamp duty HK$3,283,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,626
−HK$15,466/mo
▼ 0.25% · 3.875%
HK$254,298
−HK$7,794/mo
Today · 4.125%
HK$262,092
baseline
▲ 0.50% · 4.625%
HK$278,039
+HK$15,947/mo
Deposit HK$23.18M · loan HK$54.08M · min. income ≈ HK$524,184/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$3,283,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,369
−HK$14,823/mo
▼ 0.25% · 3.875%
HK$281,727
−HK$7,465/mo
Today · 4.125%
HK$289,192
baseline
▲ 0.50% · 4.625%
HK$304,436
+HK$15,244/mo
Deposit HK$23.18M · loan HK$54.08M · min. income ≈ HK$578,384/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$3,283,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,091
−HK$19,884/mo
▼ 0.25% · 3.875%
HK$326,954
−HK$10,021/mo
Today · 4.125%
HK$336,975
baseline
▲ 0.50% · 4.625%
HK$357,479
+HK$20,504/mo
Deposit HK$7.73M · loan HK$69.53M · min. income ≈ HK$673,950/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$3,283,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$352,760
−HK$19,059/mo
▼ 0.25% · 3.875%
HK$362,221
−HK$9,598/mo
Today · 4.125%
HK$371,819
baseline
▲ 0.50% · 4.625%
HK$391,418
+HK$19,599/mo
Deposit HK$7.73M · loan HK$69.53M · min. income ≈ HK$743,638/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$3,283,343 · Scale 2, in force from 26 Feb 2026)