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$134,729
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$138,920
−HK$4,258/mo
Today · 4.125%
HK$143,178
baseline
▲ 0.50% · 4.625%
HK$151,890
+HK$8,712/mo
Deposit HK$29.54M · loan HK$29.54M · min. income ≈ HK$286,356/mo (50% DSR)
Upfront cash ≈ HK$32.05M (deposit + AVD stamp duty HK$2,511,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,885
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$153,904
−HK$4,078/mo
Today · 4.125%
HK$157,982
baseline
▲ 0.50% · 4.625%
HK$166,310
+HK$8,328/mo
Deposit HK$29.54M · loan HK$29.54M · min. income ≈ HK$315,964/mo (50% DSR)
Upfront cash ≈ HK$32.05M (deposit + AVD stamp duty HK$2,511,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,675
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$166,704
−HK$5,109/mo
Today · 4.125%
HK$171,813
baseline
▲ 0.50% · 4.625%
HK$182,268
+HK$10,455/mo
Deposit HK$23.63M · loan HK$35.45M · min. income ≈ HK$343,626/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,511,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,862
−HK$9,717/mo
▼ 0.25% · 3.875%
HK$184,685
−HK$4,894/mo
Today · 4.125%
HK$189,579
baseline
▲ 0.50% · 4.625%
HK$199,572
+HK$9,993/mo
Deposit HK$23.63M · loan HK$35.45M · min. income ≈ HK$379,158/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,511,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,621
−HK$11,828/mo
▼ 0.25% · 3.875%
HK$194,488
−HK$5,961/mo
Today · 4.125%
HK$200,449
baseline
▲ 0.50% · 4.625%
HK$212,646
+HK$12,197/mo
Deposit HK$17.73M · loan HK$41.36M · min. income ≈ HK$400,898/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,511,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,838
−HK$11,337/mo
▼ 0.25% · 3.875%
HK$215,466
−HK$5,709/mo
Today · 4.125%
HK$221,175
baseline
▲ 0.50% · 4.625%
HK$232,834
+HK$11,659/mo
Deposit HK$17.73M · loan HK$41.36M · min. income ≈ HK$442,350/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,511,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,512
−HK$15,208/mo
▼ 0.25% · 3.875%
HK$250,056
−HK$7,664/mo
Today · 4.125%
HK$257,720
baseline
▲ 0.50% · 4.625%
HK$273,401
+HK$15,681/mo
Deposit HK$5.91M · loan HK$53.18M · min. income ≈ HK$515,440/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,511,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,792
−HK$14,576/mo
▼ 0.25% · 3.875%
HK$277,028
−HK$7,340/mo
Today · 4.125%
HK$284,368
baseline
▲ 0.50% · 4.625%
HK$299,358
+HK$14,990/mo
Deposit HK$5.91M · loan HK$53.18M · min. income ≈ HK$568,736/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,511,113 · Scale 2, in force from 26 Feb 2026)