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$146,005
−HK$9,156/mo
▼ 0.25% · 3.875%
HK$150,546
−HK$4,615/mo
Today · 4.125%
HK$155,161
baseline
▲ 0.50% · 4.625%
HK$164,602
+HK$9,441/mo
Deposit HK$32.01M · loan HK$32.01M · min. income ≈ HK$310,322/mo (50% DSR)
Upfront cash ≈ HK$34.74M (deposit + AVD stamp duty HK$2,721,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,429
−HK$8,775/mo
▼ 0.25% · 3.875%
HK$166,785
−HK$4,419/mo
Today · 4.125%
HK$171,204
baseline
▲ 0.50% · 4.625%
HK$180,229
+HK$9,025/mo
Deposit HK$32.01M · loan HK$32.01M · min. income ≈ HK$342,408/mo (50% DSR)
Upfront cash ≈ HK$34.74M (deposit + AVD stamp duty HK$2,721,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,206
−HK$10,987/mo
▼ 0.25% · 3.875%
HK$180,656
−HK$5,537/mo
Today · 4.125%
HK$186,193
baseline
▲ 0.50% · 4.625%
HK$197,522
+HK$11,329/mo
Deposit HK$25.61M · loan HK$38.42M · min. income ≈ HK$372,386/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,721,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,915
−HK$10,530/mo
▼ 0.25% · 3.875%
HK$200,142
−HK$5,303/mo
Today · 4.125%
HK$205,445
baseline
▲ 0.50% · 4.625%
HK$216,275
+HK$10,830/mo
Deposit HK$25.61M · loan HK$38.42M · min. income ≈ HK$410,890/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,721,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,407
−HK$12,818/mo
▼ 0.25% · 3.875%
HK$210,765
−HK$6,460/mo
Today · 4.125%
HK$217,225
baseline
▲ 0.50% · 4.625%
HK$230,442
+HK$13,217/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$434,450/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,721,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,400
−HK$12,286/mo
▼ 0.25% · 3.875%
HK$233,499
−HK$6,187/mo
Today · 4.125%
HK$239,686
baseline
▲ 0.50% · 4.625%
HK$252,320
+HK$12,634/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$479,372/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,721,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,809
−HK$16,480/mo
▼ 0.25% · 3.875%
HK$270,983
−HK$8,306/mo
Today · 4.125%
HK$279,289
baseline
▲ 0.50% · 4.625%
HK$296,283
+HK$16,994/mo
Deposit HK$6.40M · loan HK$57.63M · min. income ≈ HK$558,578/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,721,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,372
−HK$15,796/mo
▼ 0.25% · 3.875%
HK$300,213
−HK$7,955/mo
Today · 4.125%
HK$308,168
baseline
▲ 0.50% · 4.625%
HK$324,412
+HK$16,244/mo
Deposit HK$6.40M · loan HK$57.63M · min. income ≈ HK$616,336/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,721,275 · Scale 2, in force from 26 Feb 2026)