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$143,711
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$148,181
−HK$4,542/mo
Today · 4.125%
HK$152,723
baseline
▲ 0.50% · 4.625%
HK$162,016
+HK$9,293/mo
Deposit HK$31.51M · loan HK$31.51M · min. income ≈ HK$305,446/mo (50% DSR)
Upfront cash ≈ HK$34.19M (deposit + AVD stamp duty HK$2,678,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,877
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$164,165
−HK$4,349/mo
Today · 4.125%
HK$168,514
baseline
▲ 0.50% · 4.625%
HK$177,397
+HK$8,883/mo
Deposit HK$31.51M · loan HK$31.51M · min. income ≈ HK$337,028/mo (50% DSR)
Upfront cash ≈ HK$34.19M (deposit + AVD stamp duty HK$2,678,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,453
−HK$10,814/mo
▼ 0.25% · 3.875%
HK$177,817
−HK$5,450/mo
Today · 4.125%
HK$183,267
baseline
▲ 0.50% · 4.625%
HK$194,419
+HK$11,152/mo
Deposit HK$25.21M · loan HK$37.81M · min. income ≈ HK$366,534/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,678,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,852
−HK$10,365/mo
▼ 0.25% · 3.875%
HK$196,998
−HK$5,219/mo
Today · 4.125%
HK$202,217
baseline
▲ 0.50% · 4.625%
HK$212,877
+HK$10,660/mo
Deposit HK$25.21M · loan HK$37.81M · min. income ≈ HK$404,434/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,678,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,195
−HK$12,617/mo
▼ 0.25% · 3.875%
HK$207,453
−HK$6,359/mo
Today · 4.125%
HK$213,812
baseline
▲ 0.50% · 4.625%
HK$226,822
+HK$13,010/mo
Deposit HK$18.91M · loan HK$44.12M · min. income ≈ HK$427,624/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,678,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,828
−HK$12,092/mo
▼ 0.25% · 3.875%
HK$229,831
−HK$6,089/mo
Today · 4.125%
HK$235,920
baseline
▲ 0.50% · 4.625%
HK$248,356
+HK$12,436/mo
Deposit HK$18.91M · loan HK$44.12M · min. income ≈ HK$471,840/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,678,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,679
−HK$16,222/mo
▼ 0.25% · 3.875%
HK$266,726
−HK$8,175/mo
Today · 4.125%
HK$274,901
baseline
▲ 0.50% · 4.625%
HK$291,628
+HK$16,727/mo
Deposit HK$6.30M · loan HK$56.72M · min. income ≈ HK$549,802/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,678,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,778
−HK$15,548/mo
▼ 0.25% · 3.875%
HK$295,496
−HK$7,830/mo
Today · 4.125%
HK$303,326
baseline
▲ 0.50% · 4.625%
HK$319,315
+HK$15,989/mo
Deposit HK$6.30M · loan HK$56.72M · min. income ≈ HK$606,652/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,678,519 · Scale 2, in force from 26 Feb 2026)