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$147,334
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$151,917
−HK$4,657/mo
Today · 4.125%
HK$156,574
baseline
▲ 0.50% · 4.625%
HK$166,101
+HK$9,527/mo
Deposit HK$32.31M · loan HK$32.31M · min. income ≈ HK$313,148/mo (50% DSR)
Upfront cash ≈ HK$35.05M (deposit + AVD stamp duty HK$2,746,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,908
−HK$8,855/mo
▼ 0.25% · 3.875%
HK$168,304
−HK$4,459/mo
Today · 4.125%
HK$172,763
baseline
▲ 0.50% · 4.625%
HK$181,870
+HK$9,107/mo
Deposit HK$32.31M · loan HK$32.31M · min. income ≈ HK$345,526/mo (50% DSR)
Upfront cash ≈ HK$35.05M (deposit + AVD stamp duty HK$2,746,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,801
−HK$11,087/mo
▼ 0.25% · 3.875%
HK$182,301
−HK$5,587/mo
Today · 4.125%
HK$187,888
baseline
▲ 0.50% · 4.625%
HK$199,321
+HK$11,433/mo
Deposit HK$25.85M · loan HK$38.77M · min. income ≈ HK$375,776/mo (50% DSR)
Upfront cash ≈ HK$28.59M (deposit + AVD stamp duty HK$2,746,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,690
−HK$10,626/mo
▼ 0.25% · 3.875%
HK$201,965
−HK$5,351/mo
Today · 4.125%
HK$207,316
baseline
▲ 0.50% · 4.625%
HK$218,244
+HK$10,928/mo
Deposit HK$25.85M · loan HK$38.77M · min. income ≈ HK$414,632/mo (50% DSR)
Upfront cash ≈ HK$28.59M (deposit + AVD stamp duty HK$2,746,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,268
−HK$12,935/mo
▼ 0.25% · 3.875%
HK$212,684
−HK$6,519/mo
Today · 4.125%
HK$219,203
baseline
▲ 0.50% · 4.625%
HK$232,541
+HK$13,338/mo
Deposit HK$19.38M · loan HK$45.23M · min. income ≈ HK$438,406/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,746,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,471
−HK$12,398/mo
▼ 0.25% · 3.875%
HK$235,626
−HK$6,243/mo
Today · 4.125%
HK$241,869
baseline
▲ 0.50% · 4.625%
HK$254,618
+HK$12,749/mo
Deposit HK$19.38M · loan HK$45.23M · min. income ≈ HK$483,738/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$2,746,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,202
−HK$16,630/mo
▼ 0.25% · 3.875%
HK$273,451
−HK$8,381/mo
Today · 4.125%
HK$281,832
baseline
▲ 0.50% · 4.625%
HK$298,981
+HK$17,149/mo
Deposit HK$6.46M · loan HK$58.15M · min. income ≈ HK$563,664/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$2,746,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,034
−HK$15,940/mo
▼ 0.25% · 3.875%
HK$302,947
−HK$8,027/mo
Today · 4.125%
HK$310,974
baseline
▲ 0.50% · 4.625%
HK$327,366
+HK$16,392/mo
Deposit HK$6.46M · loan HK$58.15M · min. income ≈ HK$621,948/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$2,746,056 · Scale 2, in force from 26 Feb 2026)