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$134,669
−HK$8,445/mo
▼ 0.25% · 3.875%
HK$138,858
−HK$4,256/mo
Today · 4.125%
HK$143,114
baseline
▲ 0.50% · 4.625%
HK$151,822
+HK$8,708/mo
Deposit HK$29.53M · loan HK$29.53M · min. income ≈ HK$286,228/mo (50% DSR)
Upfront cash ≈ HK$32.04M (deposit + AVD stamp duty HK$2,509,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,818
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,836
−HK$4,076/mo
Today · 4.125%
HK$157,912
baseline
▲ 0.50% · 4.625%
HK$166,236
+HK$8,324/mo
Deposit HK$29.53M · loan HK$29.53M · min. income ≈ HK$315,824/mo (50% DSR)
Upfront cash ≈ HK$32.04M (deposit + AVD stamp duty HK$2,509,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,603
−HK$10,134/mo
▼ 0.25% · 3.875%
HK$166,629
−HK$5,108/mo
Today · 4.125%
HK$171,737
baseline
▲ 0.50% · 4.625%
HK$182,186
+HK$10,449/mo
Deposit HK$23.62M · loan HK$35.44M · min. income ≈ HK$343,474/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$2,509,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,781
−HK$9,713/mo
▼ 0.25% · 3.875%
HK$184,603
−HK$4,891/mo
Today · 4.125%
HK$189,494
baseline
▲ 0.50% · 4.625%
HK$199,483
+HK$9,989/mo
Deposit HK$23.62M · loan HK$35.44M · min. income ≈ HK$378,988/mo (50% DSR)
Upfront cash ≈ HK$26.13M (deposit + AVD stamp duty HK$2,509,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,536
−HK$11,823/mo
▼ 0.25% · 3.875%
HK$194,401
−HK$5,958/mo
Today · 4.125%
HK$200,359
baseline
▲ 0.50% · 4.625%
HK$212,551
+HK$12,192/mo
Deposit HK$17.72M · loan HK$41.34M · min. income ≈ HK$400,718/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$2,509,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,745
−HK$11,332/mo
▼ 0.25% · 3.875%
HK$215,370
−HK$5,707/mo
Today · 4.125%
HK$221,077
baseline
▲ 0.50% · 4.625%
HK$232,730
+HK$11,653/mo
Deposit HK$17.72M · loan HK$41.34M · min. income ≈ HK$442,154/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$2,509,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,404
−HK$15,201/mo
▼ 0.25% · 3.875%
HK$249,944
−HK$7,661/mo
Today · 4.125%
HK$257,605
baseline
▲ 0.50% · 4.625%
HK$273,280
+HK$15,675/mo
Deposit HK$5.91M · loan HK$53.15M · min. income ≈ HK$515,210/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,509,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,672
−HK$14,570/mo
▼ 0.25% · 3.875%
HK$276,904
−HK$7,338/mo
Today · 4.125%
HK$284,242
baseline
▲ 0.50% · 4.625%
HK$299,224
+HK$14,982/mo
Deposit HK$5.91M · loan HK$53.15M · min. income ≈ HK$568,484/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,509,994 · Scale 2, in force from 26 Feb 2026)