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$142,667
−HK$8,946/mo
▼ 0.25% · 3.875%
HK$147,105
−HK$4,508/mo
Today · 4.125%
HK$151,613
baseline
▲ 0.50% · 4.625%
HK$160,839
+HK$9,226/mo
Deposit HK$31.28M · loan HK$31.28M · min. income ≈ HK$303,226/mo (50% DSR)
Upfront cash ≈ HK$33.94M (deposit + AVD stamp duty HK$2,659,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,716
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$162,972
−HK$4,318/mo
Today · 4.125%
HK$167,290
baseline
▲ 0.50% · 4.625%
HK$176,109
+HK$8,819/mo
Deposit HK$31.28M · loan HK$31.28M · min. income ≈ HK$334,580/mo (50% DSR)
Upfront cash ≈ HK$33.94M (deposit + AVD stamp duty HK$2,659,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,200
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$176,526
−HK$5,410/mo
Today · 4.125%
HK$181,936
baseline
▲ 0.50% · 4.625%
HK$193,006
+HK$11,070/mo
Deposit HK$25.03M · loan HK$37.54M · min. income ≈ HK$363,872/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$2,659,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,459
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$195,567
−HK$5,182/mo
Today · 4.125%
HK$200,749
baseline
▲ 0.50% · 4.625%
HK$211,330
+HK$10,581/mo
Deposit HK$25.03M · loan HK$37.54M · min. income ≈ HK$401,498/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$2,659,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,734
−HK$12,525/mo
▼ 0.25% · 3.875%
HK$205,947
−HK$6,312/mo
Today · 4.125%
HK$212,259
baseline
▲ 0.50% · 4.625%
HK$225,174
+HK$12,915/mo
Deposit HK$18.77M · loan HK$43.80M · min. income ≈ HK$424,518/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,659,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,202
−HK$12,005/mo
▼ 0.25% · 3.875%
HK$228,161
−HK$6,046/mo
Today · 4.125%
HK$234,207
baseline
▲ 0.50% · 4.625%
HK$246,552
+HK$12,345/mo
Deposit HK$18.77M · loan HK$43.80M · min. income ≈ HK$468,414/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,659,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,801
−HK$16,103/mo
▼ 0.25% · 3.875%
HK$264,788
−HK$8,116/mo
Today · 4.125%
HK$272,904
baseline
▲ 0.50% · 4.625%
HK$289,510
+HK$16,606/mo
Deposit HK$6.26M · loan HK$56.31M · min. income ≈ HK$545,808/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,659,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,688
−HK$15,435/mo
▼ 0.25% · 3.875%
HK$293,350
−HK$7,773/mo
Today · 4.125%
HK$301,123
baseline
▲ 0.50% · 4.625%
HK$316,995
+HK$15,872/mo
Deposit HK$6.26M · loan HK$56.31M · min. income ≈ HK$602,246/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,659,063 · Scale 2, in force from 26 Feb 2026)