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$145,760
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$150,294
−HK$4,606/mo
Today · 4.125%
HK$154,900
baseline
▲ 0.50% · 4.625%
HK$164,326
+HK$9,426/mo
Deposit HK$31.96M · loan HK$31.96M · min. income ≈ HK$309,800/mo (50% DSR)
Upfront cash ≈ HK$34.68M (deposit + AVD stamp duty HK$2,716,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,156
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,505
−HK$4,412/mo
Today · 4.125%
HK$170,917
baseline
▲ 0.50% · 4.625%
HK$179,926
+HK$9,009/mo
Deposit HK$31.96M · loan HK$31.96M · min. income ≈ HK$341,834/mo (50% DSR)
Upfront cash ≈ HK$34.68M (deposit + AVD stamp duty HK$2,716,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,912
−HK$10,968/mo
▼ 0.25% · 3.875%
HK$180,353
−HK$5,527/mo
Today · 4.125%
HK$185,880
baseline
▲ 0.50% · 4.625%
HK$197,191
+HK$11,311/mo
Deposit HK$25.57M · loan HK$38.35M · min. income ≈ HK$371,760/mo (50% DSR)
Upfront cash ≈ HK$28.29M (deposit + AVD stamp duty HK$2,716,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,588
−HK$10,513/mo
▼ 0.25% · 3.875%
HK$199,806
−HK$5,295/mo
Today · 4.125%
HK$205,101
baseline
▲ 0.50% · 4.625%
HK$215,912
+HK$10,811/mo
Deposit HK$25.57M · loan HK$38.35M · min. income ≈ HK$410,202/mo (50% DSR)
Upfront cash ≈ HK$28.29M (deposit + AVD stamp duty HK$2,716,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,064
−HK$12,796/mo
▼ 0.25% · 3.875%
HK$210,411
−HK$6,449/mo
Today · 4.125%
HK$216,860
baseline
▲ 0.50% · 4.625%
HK$230,056
+HK$13,196/mo
Deposit HK$19.18M · loan HK$44.75M · min. income ≈ HK$433,720/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,716,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,019
−HK$12,265/mo
▼ 0.25% · 3.875%
HK$233,107
−HK$6,177/mo
Today · 4.125%
HK$239,284
baseline
▲ 0.50% · 4.625%
HK$251,897
+HK$12,613/mo
Deposit HK$19.18M · loan HK$44.75M · min. income ≈ HK$478,568/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,716,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,368
−HK$16,452/mo
▼ 0.25% · 3.875%
HK$270,529
−HK$8,291/mo
Today · 4.125%
HK$278,820
baseline
▲ 0.50% · 4.625%
HK$295,786
+HK$16,966/mo
Deposit HK$6.39M · loan HK$57.53M · min. income ≈ HK$557,640/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,716,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,881
−HK$15,770/mo
▼ 0.25% · 3.875%
HK$299,709
−HK$7,942/mo
Today · 4.125%
HK$307,651
baseline
▲ 0.50% · 4.625%
HK$323,868
+HK$16,217/mo
Deposit HK$6.39M · loan HK$57.53M · min. income ≈ HK$615,302/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,716,709 · Scale 2, in force from 26 Feb 2026)