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$263,283
−HK$16,510/mo
▼ 0.25% · 3.875%
HK$271,472
−HK$8,321/mo
Today · 4.125%
HK$279,793
baseline
▲ 0.50% · 4.625%
HK$296,818
+HK$17,025/mo
Deposit HK$57.73M · loan HK$57.73M · min. income ≈ HK$559,586/mo (50% DSR)
Upfront cash ≈ HK$65.24M (deposit + AVD stamp duty HK$7,505,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,900
−HK$15,824/mo
▼ 0.25% · 3.875%
HK$300,755
−HK$7,969/mo
Today · 4.125%
HK$308,724
baseline
▲ 0.50% · 4.625%
HK$324,997
+HK$16,273/mo
Deposit HK$57.73M · loan HK$57.73M · min. income ≈ HK$617,448/mo (50% DSR)
Upfront cash ≈ HK$65.24M (deposit + AVD stamp duty HK$7,505,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,939
−HK$19,813/mo
▼ 0.25% · 3.875%
HK$325,767
−HK$9,985/mo
Today · 4.125%
HK$335,752
baseline
▲ 0.50% · 4.625%
HK$356,181
+HK$20,429/mo
Deposit HK$46.18M · loan HK$69.28M · min. income ≈ HK$671,504/mo (50% DSR)
Upfront cash ≈ HK$53.69M (deposit + AVD stamp duty HK$7,505,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$351,479
−HK$18,990/mo
▼ 0.25% · 3.875%
HK$360,906
−HK$9,563/mo
Today · 4.125%
HK$370,469
baseline
▲ 0.50% · 4.625%
HK$389,997
+HK$19,528/mo
Deposit HK$46.18M · loan HK$69.28M · min. income ≈ HK$740,938/mo (50% DSR)
Upfront cash ≈ HK$53.69M (deposit + AVD stamp duty HK$7,505,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$368,596
−HK$23,114/mo
▼ 0.25% · 3.875%
HK$380,061
−HK$11,649/mo
Today · 4.125%
HK$391,710
baseline
▲ 0.50% · 4.625%
HK$415,545
+HK$23,835/mo
Deposit HK$34.64M · loan HK$80.82M · min. income ≈ HK$783,420/mo (50% DSR)
Upfront cash ≈ HK$42.14M (deposit + AVD stamp duty HK$7,505,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$410,059
−HK$22,155/mo
▼ 0.25% · 3.875%
HK$421,057
−HK$11,157/mo
Today · 4.125%
HK$432,214
baseline
▲ 0.50% · 4.625%
HK$454,996
+HK$22,782/mo
Deposit HK$34.64M · loan HK$80.82M · min. income ≈ HK$864,428/mo (50% DSR)
Upfront cash ≈ HK$42.14M (deposit + AVD stamp duty HK$7,505,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$473,909
−HK$29,718/mo
▼ 0.25% · 3.875%
HK$488,650
−HK$14,977/mo
Today · 4.125%
HK$503,627
baseline
▲ 0.50% · 4.625%
HK$534,272
+HK$30,645/mo
Deposit HK$11.55M · loan HK$103.92M · min. income ≈ HK$1,007,254/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$7,505,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$527,219
−HK$28,484/mo
▼ 0.25% · 3.875%
HK$541,359
−HK$14,344/mo
Today · 4.125%
HK$555,703
baseline
▲ 0.50% · 4.625%
HK$584,995
+HK$29,292/mo
Deposit HK$11.55M · loan HK$103.92M · min. income ≈ HK$1,111,406/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$7,505,027 · Scale 2, in force from 26 Feb 2026)