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$141,585
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$145,989
−HK$4,475/mo
Today · 4.125%
HK$150,464
baseline
▲ 0.50% · 4.625%
HK$159,619
+HK$9,155/mo
Deposit HK$31.05M · loan HK$31.05M · min. income ≈ HK$300,928/mo (50% DSR)
Upfront cash ≈ HK$33.68M (deposit + AVD stamp duty HK$2,638,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,512
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$161,736
−HK$4,286/mo
Today · 4.125%
HK$166,022
baseline
▲ 0.50% · 4.625%
HK$174,773
+HK$8,751/mo
Deposit HK$31.05M · loan HK$31.05M · min. income ≈ HK$332,044/mo (50% DSR)
Upfront cash ≈ HK$33.68M (deposit + AVD stamp duty HK$2,638,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,902
−HK$10,654/mo
▼ 0.25% · 3.875%
HK$175,187
−HK$5,369/mo
Today · 4.125%
HK$180,556
baseline
▲ 0.50% · 4.625%
HK$191,543
+HK$10,987/mo
Deposit HK$24.84M · loan HK$37.25M · min. income ≈ HK$361,112/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,638,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,014
−HK$10,212/mo
▼ 0.25% · 3.875%
HK$194,083
−HK$5,143/mo
Today · 4.125%
HK$199,226
baseline
▲ 0.50% · 4.625%
HK$209,727
+HK$10,501/mo
Deposit HK$24.84M · loan HK$37.25M · min. income ≈ HK$398,452/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,638,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,219
−HK$12,430/mo
▼ 0.25% · 3.875%
HK$204,385
−HK$6,264/mo
Today · 4.125%
HK$210,649
baseline
▲ 0.50% · 4.625%
HK$223,466
+HK$12,817/mo
Deposit HK$18.63M · loan HK$43.46M · min. income ≈ HK$421,298/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,638,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,516
−HK$11,914/mo
▼ 0.25% · 3.875%
HK$226,431
−HK$5,999/mo
Today · 4.125%
HK$232,430
baseline
▲ 0.50% · 4.625%
HK$244,682
+HK$12,252/mo
Deposit HK$18.63M · loan HK$43.46M · min. income ≈ HK$464,860/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,638,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,853
−HK$15,981/mo
▼ 0.25% · 3.875%
HK$262,780
−HK$8,054/mo
Today · 4.125%
HK$270,834
baseline
▲ 0.50% · 4.625%
HK$287,314
+HK$16,480/mo
Deposit HK$6.21M · loan HK$55.88M · min. income ≈ HK$541,668/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,638,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,521
−HK$15,318/mo
▼ 0.25% · 3.875%
HK$291,125
−HK$7,714/mo
Today · 4.125%
HK$298,839
baseline
▲ 0.50% · 4.625%
HK$314,591
+HK$15,752/mo
Deposit HK$6.21M · loan HK$55.88M · min. income ≈ HK$597,678/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,638,896 · Scale 2, in force from 26 Feb 2026)