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$154,407
−HK$9,683/mo
▼ 0.25% · 3.875%
HK$159,210
−HK$4,880/mo
Today · 4.125%
HK$164,090
baseline
▲ 0.50% · 4.625%
HK$174,074
+HK$9,984/mo
Deposit HK$33.86M · loan HK$33.86M · min. income ≈ HK$328,180/mo (50% DSR)
Upfront cash ≈ HK$36.74M (deposit + AVD stamp duty HK$2,877,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,776
−HK$9,281/mo
▼ 0.25% · 3.875%
HK$176,383
−HK$4,674/mo
Today · 4.125%
HK$181,057
baseline
▲ 0.50% · 4.625%
HK$190,601
+HK$9,544/mo
Deposit HK$33.86M · loan HK$33.86M · min. income ≈ HK$362,114/mo (50% DSR)
Upfront cash ≈ HK$36.74M (deposit + AVD stamp duty HK$2,877,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,289
−HK$11,619/mo
▼ 0.25% · 3.875%
HK$191,052
−HK$5,856/mo
Today · 4.125%
HK$196,908
baseline
▲ 0.50% · 4.625%
HK$208,889
+HK$11,981/mo
Deposit HK$27.09M · loan HK$40.63M · min. income ≈ HK$393,816/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$2,877,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,132
−HK$11,136/mo
▼ 0.25% · 3.875%
HK$211,660
−HK$5,608/mo
Today · 4.125%
HK$217,268
baseline
▲ 0.50% · 4.625%
HK$228,721
+HK$11,453/mo
Deposit HK$27.09M · loan HK$40.63M · min. income ≈ HK$434,536/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$2,877,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,170
−HK$13,556/mo
▼ 0.25% · 3.875%
HK$222,894
−HK$6,832/mo
Today · 4.125%
HK$229,726
baseline
▲ 0.50% · 4.625%
HK$243,704
+HK$13,978/mo
Deposit HK$20.31M · loan HK$47.40M · min. income ≈ HK$459,452/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,877,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,487
−HK$12,993/mo
▼ 0.25% · 3.875%
HK$246,937
−HK$6,543/mo
Today · 4.125%
HK$253,480
baseline
▲ 0.50% · 4.625%
HK$266,841
+HK$13,361/mo
Deposit HK$20.31M · loan HK$47.40M · min. income ≈ HK$506,960/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,877,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,933
−HK$17,429/mo
▼ 0.25% · 3.875%
HK$286,578
−HK$8,784/mo
Today · 4.125%
HK$295,362
baseline
▲ 0.50% · 4.625%
HK$313,334
+HK$17,972/mo
Deposit HK$6.77M · loan HK$60.94M · min. income ≈ HK$590,724/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,877,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,198
−HK$16,705/mo
▼ 0.25% · 3.875%
HK$317,490
−HK$8,413/mo
Today · 4.125%
HK$325,903
baseline
▲ 0.50% · 4.625%
HK$343,081
+HK$17,178/mo
Deposit HK$6.77M · loan HK$60.94M · min. income ≈ HK$651,806/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,877,881 · Scale 2, in force from 26 Feb 2026)