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$154,472
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$159,277
−HK$4,882/mo
Today · 4.125%
HK$164,159
baseline
▲ 0.50% · 4.625%
HK$174,148
+HK$9,989/mo
Deposit HK$33.87M · loan HK$33.87M · min. income ≈ HK$328,318/mo (50% DSR)
Upfront cash ≈ HK$36.75M (deposit + AVD stamp duty HK$2,879,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,849
−HK$9,284/mo
▼ 0.25% · 3.875%
HK$176,458
−HK$4,675/mo
Today · 4.125%
HK$181,133
baseline
▲ 0.50% · 4.625%
HK$190,681
+HK$9,548/mo
Deposit HK$33.87M · loan HK$33.87M · min. income ≈ HK$362,266/mo (50% DSR)
Upfront cash ≈ HK$36.75M (deposit + AVD stamp duty HK$2,879,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,367
−HK$11,624/mo
▼ 0.25% · 3.875%
HK$191,133
−HK$5,858/mo
Today · 4.125%
HK$196,991
baseline
▲ 0.50% · 4.625%
HK$208,977
+HK$11,986/mo
Deposit HK$27.10M · loan HK$40.65M · min. income ≈ HK$393,982/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,879,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,219
−HK$11,141/mo
▼ 0.25% · 3.875%
HK$211,749
−HK$5,611/mo
Today · 4.125%
HK$217,360
baseline
▲ 0.50% · 4.625%
HK$228,817
+HK$11,457/mo
Deposit HK$27.10M · loan HK$40.65M · min. income ≈ HK$434,720/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,879,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,261
−HK$13,562/mo
▼ 0.25% · 3.875%
HK$222,988
−HK$6,835/mo
Today · 4.125%
HK$229,823
baseline
▲ 0.50% · 4.625%
HK$243,807
+HK$13,984/mo
Deposit HK$20.32M · loan HK$47.42M · min. income ≈ HK$459,646/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$2,879,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,588
−HK$12,999/mo
▼ 0.25% · 3.875%
HK$247,041
−HK$6,546/mo
Today · 4.125%
HK$253,587
baseline
▲ 0.50% · 4.625%
HK$266,954
+HK$13,367/mo
Deposit HK$20.32M · loan HK$47.42M · min. income ≈ HK$507,174/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$2,879,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,050
−HK$17,436/mo
▼ 0.25% · 3.875%
HK$286,699
−HK$8,787/mo
Today · 4.125%
HK$295,486
baseline
▲ 0.50% · 4.625%
HK$313,466
+HK$17,980/mo
Deposit HK$6.77M · loan HK$60.97M · min. income ≈ HK$590,972/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,879,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,328
−HK$16,712/mo
▼ 0.25% · 3.875%
HK$317,624
−HK$8,416/mo
Today · 4.125%
HK$326,040
baseline
▲ 0.50% · 4.625%
HK$343,226
+HK$17,186/mo
Deposit HK$6.77M · loan HK$60.97M · min. income ≈ HK$652,080/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,879,094 · Scale 2, in force from 26 Feb 2026)