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$144,696
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$149,197
−HK$4,573/mo
Today · 4.125%
HK$153,770
baseline
▲ 0.50% · 4.625%
HK$163,126
+HK$9,356/mo
Deposit HK$31.73M · loan HK$31.73M · min. income ≈ HK$307,540/mo (50% DSR)
Upfront cash ≈ HK$34.42M (deposit + AVD stamp duty HK$2,696,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,973
−HK$8,697/mo
▼ 0.25% · 3.875%
HK$165,290
−HK$4,380/mo
Today · 4.125%
HK$169,670
baseline
▲ 0.50% · 4.625%
HK$178,613
+HK$8,943/mo
Deposit HK$31.73M · loan HK$31.73M · min. income ≈ HK$339,340/mo (50% DSR)
Upfront cash ≈ HK$34.42M (deposit + AVD stamp duty HK$2,696,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,635
−HK$10,889/mo
▼ 0.25% · 3.875%
HK$179,036
−HK$5,488/mo
Today · 4.125%
HK$184,524
baseline
▲ 0.50% · 4.625%
HK$195,752
+HK$11,228/mo
Deposit HK$25.38M · loan HK$38.07M · min. income ≈ HK$369,048/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,696,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,168
−HK$10,436/mo
▼ 0.25% · 3.875%
HK$198,348
−HK$5,256/mo
Today · 4.125%
HK$203,604
baseline
▲ 0.50% · 4.625%
HK$214,336
+HK$10,732/mo
Deposit HK$25.38M · loan HK$38.07M · min. income ≈ HK$407,208/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,696,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,574
−HK$12,704/mo
▼ 0.25% · 3.875%
HK$208,876
−HK$6,402/mo
Today · 4.125%
HK$215,278
baseline
▲ 0.50% · 4.625%
HK$228,377
+HK$13,099/mo
Deposit HK$19.04M · loan HK$44.42M · min. income ≈ HK$430,556/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,696,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,362
−HK$12,176/mo
▼ 0.25% · 3.875%
HK$231,406
−HK$6,132/mo
Today · 4.125%
HK$237,538
baseline
▲ 0.50% · 4.625%
HK$250,059
+HK$12,521/mo
Deposit HK$19.04M · loan HK$44.42M · min. income ≈ HK$475,076/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,696,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,453
−HK$16,333/mo
▼ 0.25% · 3.875%
HK$268,554
−HK$8,232/mo
Today · 4.125%
HK$276,786
baseline
▲ 0.50% · 4.625%
HK$293,627
+HK$16,841/mo
Deposit HK$6.35M · loan HK$57.11M · min. income ≈ HK$553,572/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,696,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,751
−HK$15,655/mo
▼ 0.25% · 3.875%
HK$297,522
−HK$7,884/mo
Today · 4.125%
HK$305,406
baseline
▲ 0.50% · 4.625%
HK$321,504
+HK$16,098/mo
Deposit HK$6.35M · loan HK$57.11M · min. income ≈ HK$610,812/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,696,883 · Scale 2, in force from 26 Feb 2026)