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$176,656
−HK$11,077/mo
▼ 0.25% · 3.875%
HK$182,151
−HK$5,582/mo
Today · 4.125%
HK$187,733
baseline
▲ 0.50% · 4.625%
HK$199,157
+HK$11,424/mo
Deposit HK$38.74M · loan HK$38.74M · min. income ≈ HK$375,466/mo (50% DSR)
Upfront cash ≈ HK$42.03M (deposit + AVD stamp duty HK$3,292,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,527
−HK$10,618/mo
▼ 0.25% · 3.875%
HK$201,798
−HK$5,347/mo
Today · 4.125%
HK$207,145
baseline
▲ 0.50% · 4.625%
HK$218,064
+HK$10,919/mo
Deposit HK$38.74M · loan HK$38.74M · min. income ≈ HK$414,290/mo (50% DSR)
Upfront cash ≈ HK$42.03M (deposit + AVD stamp duty HK$3,292,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,987
−HK$13,293/mo
▼ 0.25% · 3.875%
HK$218,581
−HK$6,699/mo
Today · 4.125%
HK$225,280
baseline
▲ 0.50% · 4.625%
HK$238,988
+HK$13,708/mo
Deposit HK$30.99M · loan HK$46.48M · min. income ≈ HK$450,560/mo (50% DSR)
Upfront cash ≈ HK$34.28M (deposit + AVD stamp duty HK$3,292,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,833
−HK$12,741/mo
▼ 0.25% · 3.875%
HK$242,158
−HK$6,416/mo
Today · 4.125%
HK$248,574
baseline
▲ 0.50% · 4.625%
HK$261,677
+HK$13,103/mo
Deposit HK$30.99M · loan HK$46.48M · min. income ≈ HK$497,148/mo (50% DSR)
Upfront cash ≈ HK$34.28M (deposit + AVD stamp duty HK$3,292,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,318
−HK$15,509/mo
▼ 0.25% · 3.875%
HK$255,011
−HK$7,816/mo
Today · 4.125%
HK$262,827
baseline
▲ 0.50% · 4.625%
HK$278,819
+HK$15,992/mo
Deposit HK$23.24M · loan HK$54.23M · min. income ≈ HK$525,654/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$3,292,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,138
−HK$14,865/mo
▼ 0.25% · 3.875%
HK$282,518
−HK$7,485/mo
Today · 4.125%
HK$290,003
baseline
▲ 0.50% · 4.625%
HK$305,290
+HK$15,287/mo
Deposit HK$23.24M · loan HK$54.23M · min. income ≈ HK$580,006/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$3,292,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,980
−HK$19,940/mo
▼ 0.25% · 3.875%
HK$327,871
−HK$10,049/mo
Today · 4.125%
HK$337,920
baseline
▲ 0.50% · 4.625%
HK$358,482
+HK$20,562/mo
Deposit HK$7.75M · loan HK$69.72M · min. income ≈ HK$675,840/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,292,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$353,749
−HK$19,112/mo
▼ 0.25% · 3.875%
HK$363,237
−HK$9,624/mo
Today · 4.125%
HK$372,861
baseline
▲ 0.50% · 4.625%
HK$392,516
+HK$19,655/mo
Deposit HK$7.75M · loan HK$69.72M · min. income ≈ HK$745,722/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$3,292,551 · Scale 2, in force from 26 Feb 2026)