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$144,507
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$149,002
−HK$4,567/mo
Today · 4.125%
HK$153,569
baseline
▲ 0.50% · 4.625%
HK$162,913
+HK$9,344/mo
Deposit HK$31.69M · loan HK$31.69M · min. income ≈ HK$307,138/mo (50% DSR)
Upfront cash ≈ HK$34.38M (deposit + AVD stamp duty HK$2,693,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,763
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$165,074
−HK$4,374/mo
Today · 4.125%
HK$169,448
baseline
▲ 0.50% · 4.625%
HK$178,380
+HK$8,932/mo
Deposit HK$31.69M · loan HK$31.69M · min. income ≈ HK$338,896/mo (50% DSR)
Upfront cash ≈ HK$34.38M (deposit + AVD stamp duty HK$2,693,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,409
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$178,802
−HK$5,481/mo
Today · 4.125%
HK$184,283
baseline
▲ 0.50% · 4.625%
HK$195,496
+HK$11,213/mo
Deposit HK$25.35M · loan HK$38.02M · min. income ≈ HK$368,566/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,693,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,915
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$198,089
−HK$5,249/mo
Today · 4.125%
HK$203,338
baseline
▲ 0.50% · 4.625%
HK$214,056
+HK$10,718/mo
Deposit HK$25.35M · loan HK$38.02M · min. income ≈ HK$406,676/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,693,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,310
−HK$12,687/mo
▼ 0.25% · 3.875%
HK$208,603
−HK$6,394/mo
Today · 4.125%
HK$214,997
baseline
▲ 0.50% · 4.625%
HK$228,079
+HK$13,082/mo
Deposit HK$19.01M · loan HK$44.36M · min. income ≈ HK$429,994/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,693,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,068
−HK$12,159/mo
▼ 0.25% · 3.875%
HK$231,104
−HK$6,123/mo
Today · 4.125%
HK$237,227
baseline
▲ 0.50% · 4.625%
HK$249,732
+HK$12,505/mo
Deposit HK$19.01M · loan HK$44.36M · min. income ≈ HK$474,454/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,693,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,113
−HK$16,311/mo
▼ 0.25% · 3.875%
HK$268,204
−HK$8,220/mo
Today · 4.125%
HK$276,424
baseline
▲ 0.50% · 4.625%
HK$293,244
+HK$16,820/mo
Deposit HK$6.34M · loan HK$57.04M · min. income ≈ HK$552,848/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$2,693,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,373
−HK$15,634/mo
▼ 0.25% · 3.875%
HK$297,134
−HK$7,873/mo
Today · 4.125%
HK$305,007
baseline
▲ 0.50% · 4.625%
HK$321,084
+HK$16,077/mo
Deposit HK$6.34M · loan HK$57.04M · min. income ≈ HK$610,014/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$2,693,360 · Scale 2, in force from 26 Feb 2026)