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$145,210
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$149,726
−HK$4,590/mo
Today · 4.125%
HK$154,316
baseline
▲ 0.50% · 4.625%
HK$163,705
+HK$9,389/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$308,632/mo (50% DSR)
Upfront cash ≈ HK$34.55M (deposit + AVD stamp duty HK$2,706,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,544
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$165,877
−HK$4,395/mo
Today · 4.125%
HK$170,272
baseline
▲ 0.50% · 4.625%
HK$179,247
+HK$8,975/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$340,544/mo (50% DSR)
Upfront cash ≈ HK$34.55M (deposit + AVD stamp duty HK$2,706,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,252
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$179,672
−HK$5,507/mo
Today · 4.125%
HK$185,179
baseline
▲ 0.50% · 4.625%
HK$196,446
+HK$11,267/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$370,358/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,853
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,052
−HK$5,274/mo
Today · 4.125%
HK$204,326
baseline
▲ 0.50% · 4.625%
HK$215,097
+HK$10,771/mo
Deposit HK$25.47M · loan HK$38.21M · min. income ≈ HK$408,652/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,294
−HK$12,748/mo
▼ 0.25% · 3.875%
HK$209,617
−HK$6,425/mo
Today · 4.125%
HK$216,042
baseline
▲ 0.50% · 4.625%
HK$229,187
+HK$13,145/mo
Deposit HK$19.10M · loan HK$44.58M · min. income ≈ HK$432,084/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,162
−HK$12,219/mo
▼ 0.25% · 3.875%
HK$232,228
−HK$6,153/mo
Today · 4.125%
HK$238,381
baseline
▲ 0.50% · 4.625%
HK$250,946
+HK$12,565/mo
Deposit HK$19.10M · loan HK$44.58M · min. income ≈ HK$476,762/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,377
−HK$16,391/mo
▼ 0.25% · 3.875%
HK$269,508
−HK$8,260/mo
Today · 4.125%
HK$277,768
baseline
▲ 0.50% · 4.625%
HK$294,670
+HK$16,902/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$555,536/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,780
−HK$15,710/mo
▼ 0.25% · 3.875%
HK$298,578
−HK$7,912/mo
Today · 4.125%
HK$306,490
baseline
▲ 0.50% · 4.625%
HK$322,645
+HK$16,155/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$612,980/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,455 · Scale 2, in force from 26 Feb 2026)