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$131,697
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,793
−HK$4,162/mo
Today · 4.125%
HK$139,955
baseline
▲ 0.50% · 4.625%
HK$148,471
+HK$8,516/mo
Deposit HK$28.88M · loan HK$28.88M · min. income ≈ HK$279,910/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$2,454,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,511
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$150,441
−HK$3,986/mo
Today · 4.125%
HK$154,427
baseline
▲ 0.50% · 4.625%
HK$162,567
+HK$8,140/mo
Deposit HK$28.88M · loan HK$28.88M · min. income ≈ HK$308,854/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$2,454,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,036
−HK$9,910/mo
▼ 0.25% · 3.875%
HK$162,952
−HK$4,994/mo
Today · 4.125%
HK$167,946
baseline
▲ 0.50% · 4.625%
HK$178,165
+HK$10,219/mo
Deposit HK$23.10M · loan HK$34.65M · min. income ≈ HK$335,892/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,454,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,813
−HK$9,499/mo
▼ 0.25% · 3.875%
HK$180,529
−HK$4,783/mo
Today · 4.125%
HK$185,312
baseline
▲ 0.50% · 4.625%
HK$195,080
+HK$9,768/mo
Deposit HK$23.10M · loan HK$34.65M · min. income ≈ HK$370,624/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,454,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,375
−HK$11,562/mo
▼ 0.25% · 3.875%
HK$190,110
−HK$5,827/mo
Today · 4.125%
HK$195,937
baseline
▲ 0.50% · 4.625%
HK$207,860
+HK$11,923/mo
Deposit HK$17.33M · loan HK$40.43M · min. income ≈ HK$391,874/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,454,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,116
−HK$11,081/mo
▼ 0.25% · 3.875%
HK$210,617
−HK$5,580/mo
Today · 4.125%
HK$216,197
baseline
▲ 0.50% · 4.625%
HK$227,594
+HK$11,397/mo
Deposit HK$17.33M · loan HK$40.43M · min. income ≈ HK$432,394/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,454,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,054
−HK$14,865/mo
▼ 0.25% · 3.875%
HK$244,428
−HK$7,491/mo
Today · 4.125%
HK$251,919
baseline
▲ 0.50% · 4.625%
HK$267,248
+HK$15,329/mo
Deposit HK$5.78M · loan HK$51.98M · min. income ≈ HK$503,838/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,454,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,720
−HK$14,248/mo
▼ 0.25% · 3.875%
HK$270,793
−HK$7,175/mo
Today · 4.125%
HK$277,968
baseline
▲ 0.50% · 4.625%
HK$292,620
+HK$14,652/mo
Deposit HK$5.78M · loan HK$51.98M · min. income ≈ HK$555,936/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,454,596 · Scale 2, in force from 26 Feb 2026)