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$145,202
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,719
−HK$4,588/mo
Today · 4.125%
HK$154,307
baseline
▲ 0.50% · 4.625%
HK$163,697
+HK$9,390/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$308,614/mo (50% DSR)
Upfront cash ≈ HK$34.55M (deposit + AVD stamp duty HK$2,706,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,536
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,868
−HK$4,395/mo
Today · 4.125%
HK$170,263
baseline
▲ 0.50% · 4.625%
HK$179,238
+HK$8,975/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$340,526/mo (50% DSR)
Upfront cash ≈ HK$34.55M (deposit + AVD stamp duty HK$2,706,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,242
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$179,662
−HK$5,507/mo
Today · 4.125%
HK$185,169
baseline
▲ 0.50% · 4.625%
HK$196,436
+HK$11,267/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$370,338/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,843
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,042
−HK$5,274/mo
Today · 4.125%
HK$204,316
baseline
▲ 0.50% · 4.625%
HK$215,085
+HK$10,769/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$408,632/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,283
−HK$12,747/mo
▼ 0.25% · 3.875%
HK$209,606
−HK$6,424/mo
Today · 4.125%
HK$216,030
baseline
▲ 0.50% · 4.625%
HK$229,175
+HK$13,145/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$432,060/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,150
−HK$12,218/mo
▼ 0.25% · 3.875%
HK$232,215
−HK$6,153/mo
Today · 4.125%
HK$238,368
baseline
▲ 0.50% · 4.625%
HK$250,933
+HK$12,565/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$476,736/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,364
−HK$16,389/mo
▼ 0.25% · 3.875%
HK$269,494
−HK$8,259/mo
Today · 4.125%
HK$277,753
baseline
▲ 0.50% · 4.625%
HK$294,654
+HK$16,901/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$555,506/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,764
−HK$15,709/mo
▼ 0.25% · 3.875%
HK$298,563
−HK$7,910/mo
Today · 4.125%
HK$306,473
baseline
▲ 0.50% · 4.625%
HK$322,628
+HK$16,155/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$612,946/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,312 · Scale 2, in force from 26 Feb 2026)