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$138,492
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$142,800
−HK$4,377/mo
Today · 4.125%
HK$147,177
baseline
▲ 0.50% · 4.625%
HK$156,132
+HK$8,955/mo
Deposit HK$30.37M · loan HK$30.37M · min. income ≈ HK$294,354/mo (50% DSR)
Upfront cash ≈ HK$32.95M (deposit + AVD stamp duty HK$2,581,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,071
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$158,203
−HK$4,192/mo
Today · 4.125%
HK$162,395
baseline
▲ 0.50% · 4.625%
HK$170,955
+HK$8,560/mo
Deposit HK$30.37M · loan HK$30.37M · min. income ≈ HK$324,790/mo (50% DSR)
Upfront cash ≈ HK$32.95M (deposit + AVD stamp duty HK$2,581,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,190
−HK$10,422/mo
▼ 0.25% · 3.875%
HK$171,360
−HK$5,252/mo
Today · 4.125%
HK$176,612
baseline
▲ 0.50% · 4.625%
HK$187,358
+HK$10,746/mo
Deposit HK$24.29M · loan HK$36.44M · min. income ≈ HK$353,224/mo (50% DSR)
Upfront cash ≈ HK$26.88M (deposit + AVD stamp duty HK$2,581,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,885
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$189,844
−HK$5,030/mo
Today · 4.125%
HK$194,874
baseline
▲ 0.50% · 4.625%
HK$205,146
+HK$10,272/mo
Deposit HK$24.29M · loan HK$36.44M · min. income ≈ HK$389,748/mo (50% DSR)
Upfront cash ≈ HK$26.88M (deposit + AVD stamp duty HK$2,581,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,889
−HK$12,158/mo
▼ 0.25% · 3.875%
HK$199,920
−HK$6,127/mo
Today · 4.125%
HK$206,047
baseline
▲ 0.50% · 4.625%
HK$218,585
+HK$12,538/mo
Deposit HK$18.22M · loan HK$42.51M · min. income ≈ HK$412,094/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$2,581,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,699
−HK$11,654/mo
▼ 0.25% · 3.875%
HK$221,484
−HK$5,869/mo
Today · 4.125%
HK$227,353
baseline
▲ 0.50% · 4.625%
HK$239,337
+HK$11,984/mo
Deposit HK$18.22M · loan HK$42.51M · min. income ≈ HK$454,706/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$2,581,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,285
−HK$15,633/mo
▼ 0.25% · 3.875%
HK$257,040
−HK$7,878/mo
Today · 4.125%
HK$264,918
baseline
▲ 0.50% · 4.625%
HK$281,037
+HK$16,119/mo
Deposit HK$6.07M · loan HK$54.66M · min. income ≈ HK$529,836/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$2,581,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,327
−HK$14,984/mo
▼ 0.25% · 3.875%
HK$284,765
−HK$7,546/mo
Today · 4.125%
HK$292,311
baseline
▲ 0.50% · 4.625%
HK$307,719
+HK$15,408/mo
Deposit HK$6.07M · loan HK$54.66M · min. income ≈ HK$584,622/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$2,581,247 · Scale 2, in force from 26 Feb 2026)