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$148,495
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$153,114
−HK$4,693/mo
Today · 4.125%
HK$157,807
baseline
▲ 0.50% · 4.625%
HK$167,409
+HK$9,602/mo
Deposit HK$32.56M · loan HK$32.56M · min. income ≈ HK$315,614/mo (50% DSR)
Upfront cash ≈ HK$35.33M (deposit + AVD stamp duty HK$2,767,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,199
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$169,629
−HK$4,495/mo
Today · 4.125%
HK$174,124
baseline
▲ 0.50% · 4.625%
HK$183,302
+HK$9,178/mo
Deposit HK$32.56M · loan HK$32.56M · min. income ≈ HK$348,248/mo (50% DSR)
Upfront cash ≈ HK$35.33M (deposit + AVD stamp duty HK$2,767,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,194
−HK$11,174/mo
▼ 0.25% · 3.875%
HK$183,737
−HK$5,631/mo
Today · 4.125%
HK$189,368
baseline
▲ 0.50% · 4.625%
HK$200,891
+HK$11,523/mo
Deposit HK$26.05M · loan HK$39.07M · min. income ≈ HK$378,736/mo (50% DSR)
Upfront cash ≈ HK$28.82M (deposit + AVD stamp duty HK$2,767,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,239
−HK$10,710/mo
▼ 0.25% · 3.875%
HK$203,555
−HK$5,394/mo
Today · 4.125%
HK$208,949
baseline
▲ 0.50% · 4.625%
HK$219,963
+HK$11,014/mo
Deposit HK$26.05M · loan HK$39.07M · min. income ≈ HK$417,898/mo (50% DSR)
Upfront cash ≈ HK$28.82M (deposit + AVD stamp duty HK$2,767,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,893
−HK$13,036/mo
▼ 0.25% · 3.875%
HK$214,359
−HK$6,570/mo
Today · 4.125%
HK$220,929
baseline
▲ 0.50% · 4.625%
HK$234,372
+HK$13,443/mo
Deposit HK$19.54M · loan HK$45.59M · min. income ≈ HK$441,858/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,767,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,278
−HK$12,496/mo
▼ 0.25% · 3.875%
HK$237,481
−HK$6,293/mo
Today · 4.125%
HK$243,774
baseline
▲ 0.50% · 4.625%
HK$256,623
+HK$12,849/mo
Deposit HK$19.54M · loan HK$45.59M · min. income ≈ HK$487,548/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,767,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,291
−HK$16,761/mo
▼ 0.25% · 3.875%
HK$275,605
−HK$8,447/mo
Today · 4.125%
HK$284,052
baseline
▲ 0.50% · 4.625%
HK$301,336
+HK$17,284/mo
Deposit HK$6.51M · loan HK$58.61M · min. income ≈ HK$568,104/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$2,767,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,358
−HK$16,065/mo
▼ 0.25% · 3.875%
HK$305,333
−HK$8,090/mo
Today · 4.125%
HK$313,423
baseline
▲ 0.50% · 4.625%
HK$329,944
+HK$16,521/mo
Deposit HK$6.51M · loan HK$58.61M · min. income ≈ HK$626,846/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$2,767,683 · Scale 2, in force from 26 Feb 2026)