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$169,798
−HK$10,647/mo
▼ 0.25% · 3.875%
HK$175,079
−HK$5,366/mo
Today · 4.125%
HK$180,445
baseline
▲ 0.50% · 4.625%
HK$191,425
+HK$10,980/mo
Deposit HK$37.23M · loan HK$37.23M · min. income ≈ HK$360,890/mo (50% DSR)
Upfront cash ≈ HK$40.40M (deposit + AVD stamp duty HK$3,164,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,898
−HK$10,206/mo
▼ 0.25% · 3.875%
HK$193,964
−HK$5,140/mo
Today · 4.125%
HK$199,104
baseline
▲ 0.50% · 4.625%
HK$209,599
+HK$10,495/mo
Deposit HK$37.23M · loan HK$37.23M · min. income ≈ HK$398,208/mo (50% DSR)
Upfront cash ≈ HK$40.40M (deposit + AVD stamp duty HK$3,164,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,757
−HK$12,777/mo
▼ 0.25% · 3.875%
HK$210,095
−HK$6,439/mo
Today · 4.125%
HK$216,534
baseline
▲ 0.50% · 4.625%
HK$229,710
+HK$13,176/mo
Deposit HK$29.79M · loan HK$44.68M · min. income ≈ HK$433,068/mo (50% DSR)
Upfront cash ≈ HK$32.95M (deposit + AVD stamp duty HK$3,164,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,678
−HK$12,246/mo
▼ 0.25% · 3.875%
HK$232,757
−HK$6,167/mo
Today · 4.125%
HK$238,924
baseline
▲ 0.50% · 4.625%
HK$251,518
+HK$12,594/mo
Deposit HK$29.79M · loan HK$44.68M · min. income ≈ HK$477,848/mo (50% DSR)
Upfront cash ≈ HK$32.95M (deposit + AVD stamp duty HK$3,164,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,717
−HK$14,906/mo
▼ 0.25% · 3.875%
HK$245,111
−HK$7,512/mo
Today · 4.125%
HK$252,623
baseline
▲ 0.50% · 4.625%
HK$267,995
+HK$15,372/mo
Deposit HK$22.34M · loan HK$52.12M · min. income ≈ HK$505,246/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$3,164,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,457
−HK$14,288/mo
▼ 0.25% · 3.875%
HK$271,550
−HK$7,195/mo
Today · 4.125%
HK$278,745
baseline
▲ 0.50% · 4.625%
HK$293,438
+HK$14,693/mo
Deposit HK$22.34M · loan HK$52.12M · min. income ≈ HK$557,490/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$3,164,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,636
−HK$19,166/mo
▼ 0.25% · 3.875%
HK$315,143
−HK$9,659/mo
Today · 4.125%
HK$324,802
baseline
▲ 0.50% · 4.625%
HK$344,565
+HK$19,763/mo
Deposit HK$7.45M · loan HK$67.02M · min. income ≈ HK$649,604/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$3,164,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$340,016
−HK$18,370/mo
▼ 0.25% · 3.875%
HK$349,135
−HK$9,251/mo
Today · 4.125%
HK$358,386
baseline
▲ 0.50% · 4.625%
HK$377,278
+HK$18,892/mo
Deposit HK$7.45M · loan HK$67.02M · min. income ≈ HK$716,772/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$3,164,729 · Scale 2, in force from 26 Feb 2026)