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$145,935
−HK$9,151/mo
▼ 0.25% · 3.875%
HK$150,474
−HK$4,612/mo
Today · 4.125%
HK$155,086
baseline
▲ 0.50% · 4.625%
HK$164,523
+HK$9,437/mo
Deposit HK$32.00M · loan HK$32.00M · min. income ≈ HK$310,172/mo (50% DSR)
Upfront cash ≈ HK$34.72M (deposit + AVD stamp duty HK$2,719,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,351
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$166,705
−HK$4,417/mo
Today · 4.125%
HK$171,122
baseline
▲ 0.50% · 4.625%
HK$180,143
+HK$9,021/mo
Deposit HK$32.00M · loan HK$32.00M · min. income ≈ HK$342,244/mo (50% DSR)
Upfront cash ≈ HK$34.72M (deposit + AVD stamp duty HK$2,719,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,122
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$180,569
−HK$5,535/mo
Today · 4.125%
HK$186,104
baseline
▲ 0.50% · 4.625%
HK$197,428
+HK$11,324/mo
Deposit HK$25.60M · loan HK$38.40M · min. income ≈ HK$372,208/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,719,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,821
−HK$10,526/mo
▼ 0.25% · 3.875%
HK$200,046
−HK$5,301/mo
Today · 4.125%
HK$205,347
baseline
▲ 0.50% · 4.625%
HK$216,171
+HK$10,824/mo
Deposit HK$25.60M · loan HK$38.40M · min. income ≈ HK$410,694/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,719,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,309
−HK$12,812/mo
▼ 0.25% · 3.875%
HK$210,664
−HK$6,457/mo
Today · 4.125%
HK$217,121
baseline
▲ 0.50% · 4.625%
HK$230,332
+HK$13,211/mo
Deposit HK$19.20M · loan HK$44.80M · min. income ≈ HK$434,242/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,719,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,292
−HK$12,279/mo
▼ 0.25% · 3.875%
HK$233,387
−HK$6,184/mo
Today · 4.125%
HK$239,571
baseline
▲ 0.50% · 4.625%
HK$252,200
+HK$12,629/mo
Deposit HK$19.20M · loan HK$44.80M · min. income ≈ HK$479,142/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,719,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,683
−HK$16,472/mo
▼ 0.25% · 3.875%
HK$270,854
−HK$8,301/mo
Today · 4.125%
HK$279,155
baseline
▲ 0.50% · 4.625%
HK$296,141
+HK$16,986/mo
Deposit HK$6.40M · loan HK$57.60M · min. income ≈ HK$558,310/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,719,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,232
−HK$15,788/mo
▼ 0.25% · 3.875%
HK$300,070
−HK$7,950/mo
Today · 4.125%
HK$308,020
baseline
▲ 0.50% · 4.625%
HK$324,257
+HK$16,237/mo
Deposit HK$6.40M · loan HK$57.60M · min. income ≈ HK$616,040/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,719,972 · Scale 2, in force from 26 Feb 2026)