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$139,547
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,887
−HK$4,410/mo
Today · 4.125%
HK$148,297
baseline
▲ 0.50% · 4.625%
HK$157,321
+HK$9,024/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$296,594/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,600,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,244
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,408
−HK$4,223/mo
Today · 4.125%
HK$163,631
baseline
▲ 0.50% · 4.625%
HK$172,257
+HK$8,626/mo
Deposit HK$30.60M · loan HK$30.60M · min. income ≈ HK$327,262/mo (50% DSR)
Upfront cash ≈ HK$33.20M (deposit + AVD stamp duty HK$2,600,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,456
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$172,665
−HK$5,292/mo
Today · 4.125%
HK$177,957
baseline
▲ 0.50% · 4.625%
HK$188,785
+HK$10,828/mo
Deposit HK$24.48M · loan HK$36.72M · min. income ≈ HK$355,914/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,600,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,293
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$191,289
−HK$5,069/mo
Today · 4.125%
HK$196,358
baseline
▲ 0.50% · 4.625%
HK$206,708
+HK$10,350/mo
Deposit HK$24.48M · loan HK$36.72M · min. income ≈ HK$392,716/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,600,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,365
−HK$12,251/mo
▼ 0.25% · 3.875%
HK$201,442
−HK$6,174/mo
Today · 4.125%
HK$207,616
baseline
▲ 0.50% · 4.625%
HK$220,249
+HK$12,633/mo
Deposit HK$18.36M · loan HK$42.84M · min. income ≈ HK$415,232/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,600,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,342
−HK$11,742/mo
▼ 0.25% · 3.875%
HK$223,171
−HK$5,913/mo
Today · 4.125%
HK$229,084
baseline
▲ 0.50% · 4.625%
HK$241,159
+HK$12,075/mo
Deposit HK$18.36M · loan HK$42.84M · min. income ≈ HK$458,168/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,600,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,184
−HK$15,751/mo
▼ 0.25% · 3.875%
HK$258,997
−HK$7,938/mo
Today · 4.125%
HK$266,935
baseline
▲ 0.50% · 4.625%
HK$283,178
+HK$16,243/mo
Deposit HK$6.12M · loan HK$55.08M · min. income ≈ HK$533,870/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,439
−HK$15,098/mo
▼ 0.25% · 3.875%
HK$286,934
−HK$7,603/mo
Today · 4.125%
HK$294,537
baseline
▲ 0.50% · 4.625%
HK$310,062
+HK$15,525/mo
Deposit HK$6.12M · loan HK$55.08M · min. income ≈ HK$589,074/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$2,600,904 · Scale 2, in force from 26 Feb 2026)