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$185,666
−HK$11,643/mo
▼ 0.25% · 3.875%
HK$191,442
−HK$5,867/mo
Today · 4.125%
HK$197,309
baseline
▲ 0.50% · 4.625%
HK$209,315
+HK$12,006/mo
Deposit HK$40.71M · loan HK$40.71M · min. income ≈ HK$394,618/mo (50% DSR)
Upfront cash ≈ HK$44.17M (deposit + AVD stamp duty HK$3,460,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,552
−HK$11,159/mo
▼ 0.25% · 3.875%
HK$212,091
−HK$5,620/mo
Today · 4.125%
HK$217,711
baseline
▲ 0.50% · 4.625%
HK$229,187
+HK$11,476/mo
Deposit HK$40.71M · loan HK$40.71M · min. income ≈ HK$435,422/mo (50% DSR)
Upfront cash ≈ HK$44.17M (deposit + AVD stamp duty HK$3,460,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,800
−HK$13,971/mo
▼ 0.25% · 3.875%
HK$229,730
−HK$7,041/mo
Today · 4.125%
HK$236,771
baseline
▲ 0.50% · 4.625%
HK$251,178
+HK$14,407/mo
Deposit HK$32.57M · loan HK$48.85M · min. income ≈ HK$473,542/mo (50% DSR)
Upfront cash ≈ HK$36.03M (deposit + AVD stamp duty HK$3,460,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,862
−HK$13,391/mo
▼ 0.25% · 3.875%
HK$254,510
−HK$6,743/mo
Today · 4.125%
HK$261,253
baseline
▲ 0.50% · 4.625%
HK$275,024
+HK$13,771/mo
Deposit HK$32.57M · loan HK$48.85M · min. income ≈ HK$522,506/mo (50% DSR)
Upfront cash ≈ HK$36.03M (deposit + AVD stamp duty HK$3,460,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,933
−HK$16,300/mo
▼ 0.25% · 3.875%
HK$268,018
−HK$8,215/mo
Today · 4.125%
HK$276,233
baseline
▲ 0.50% · 4.625%
HK$293,041
+HK$16,808/mo
Deposit HK$24.43M · loan HK$57.00M · min. income ≈ HK$552,466/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$3,460,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,173
−HK$15,623/mo
▼ 0.25% · 3.875%
HK$296,928
−HK$7,868/mo
Today · 4.125%
HK$304,796
baseline
▲ 0.50% · 4.625%
HK$320,862
+HK$16,066/mo
Deposit HK$24.43M · loan HK$57.00M · min. income ≈ HK$609,592/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$3,460,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$334,199
−HK$20,957/mo
▼ 0.25% · 3.875%
HK$344,595
−HK$10,561/mo
Today · 4.125%
HK$355,156
baseline
▲ 0.50% · 4.625%
HK$376,767
+HK$21,611/mo
Deposit HK$8.14M · loan HK$73.28M · min. income ≈ HK$710,312/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$3,460,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$371,793
−HK$20,087/mo
▼ 0.25% · 3.875%
HK$381,765
−HK$10,115/mo
Today · 4.125%
HK$391,880
baseline
▲ 0.50% · 4.625%
HK$412,537
+HK$20,657/mo
Deposit HK$8.14M · loan HK$73.28M · min. income ≈ HK$783,760/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$3,460,495 · Scale 2, in force from 26 Feb 2026)