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$146,230
−HK$9,170/mo
▼ 0.25% · 3.875%
HK$150,779
−HK$4,621/mo
Today · 4.125%
HK$155,400
baseline
▲ 0.50% · 4.625%
HK$164,856
+HK$9,456/mo
Deposit HK$32.06M · loan HK$32.06M · min. income ≈ HK$310,800/mo (50% DSR)
Upfront cash ≈ HK$34.79M (deposit + AVD stamp duty HK$2,725,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,680
−HK$8,789/mo
▼ 0.25% · 3.875%
HK$167,043
−HK$4,426/mo
Today · 4.125%
HK$171,469
baseline
▲ 0.50% · 4.625%
HK$180,507
+HK$9,038/mo
Deposit HK$32.06M · loan HK$32.06M · min. income ≈ HK$342,938/mo (50% DSR)
Upfront cash ≈ HK$34.79M (deposit + AVD stamp duty HK$2,725,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,477
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$180,935
−HK$5,546/mo
Today · 4.125%
HK$186,481
baseline
▲ 0.50% · 4.625%
HK$197,827
+HK$11,346/mo
Deposit HK$25.65M · loan HK$38.48M · min. income ≈ HK$372,962/mo (50% DSR)
Upfront cash ≈ HK$28.38M (deposit + AVD stamp duty HK$2,725,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,216
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$200,452
−HK$5,311/mo
Today · 4.125%
HK$205,763
baseline
▲ 0.50% · 4.625%
HK$216,609
+HK$10,846/mo
Deposit HK$25.65M · loan HK$38.48M · min. income ≈ HK$411,526/mo (50% DSR)
Upfront cash ≈ HK$28.38M (deposit + AVD stamp duty HK$2,725,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,723
−HK$12,838/mo
▼ 0.25% · 3.875%
HK$211,091
−HK$6,470/mo
Today · 4.125%
HK$217,561
baseline
▲ 0.50% · 4.625%
HK$230,799
+HK$13,238/mo
Deposit HK$19.24M · loan HK$44.89M · min. income ≈ HK$435,122/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,725,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,752
−HK$12,305/mo
▼ 0.25% · 3.875%
HK$233,860
−HK$6,197/mo
Today · 4.125%
HK$240,057
baseline
▲ 0.50% · 4.625%
HK$252,710
+HK$12,653/mo
Deposit HK$19.24M · loan HK$44.89M · min. income ≈ HK$480,114/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,725,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,215
−HK$16,506/mo
▼ 0.25% · 3.875%
HK$271,402
−HK$8,319/mo
Today · 4.125%
HK$279,721
baseline
▲ 0.50% · 4.625%
HK$296,741
+HK$17,020/mo
Deposit HK$6.41M · loan HK$57.72M · min. income ≈ HK$559,442/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,725,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,824
−HK$15,820/mo
▼ 0.25% · 3.875%
HK$300,677
−HK$7,967/mo
Today · 4.125%
HK$308,644
baseline
▲ 0.50% · 4.625%
HK$324,913
+HK$16,269/mo
Deposit HK$6.41M · loan HK$57.72M · min. income ≈ HK$617,288/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,725,481 · Scale 2, in force from 26 Feb 2026)