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$148,906
−HK$9,338/mo
▼ 0.25% · 3.875%
HK$153,538
−HK$4,706/mo
Today · 4.125%
HK$158,244
baseline
▲ 0.50% · 4.625%
HK$167,872
+HK$9,628/mo
Deposit HK$32.65M · loan HK$32.65M · min. income ≈ HK$316,488/mo (50% DSR)
Upfront cash ≈ HK$35.43M (deposit + AVD stamp duty HK$2,775,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,656
−HK$8,950/mo
▼ 0.25% · 3.875%
HK$170,099
−HK$4,507/mo
Today · 4.125%
HK$174,606
baseline
▲ 0.50% · 4.625%
HK$183,810
+HK$9,204/mo
Deposit HK$32.65M · loan HK$32.65M · min. income ≈ HK$349,212/mo (50% DSR)
Upfront cash ≈ HK$35.43M (deposit + AVD stamp duty HK$2,775,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,687
−HK$11,205/mo
▼ 0.25% · 3.875%
HK$184,245
−HK$5,647/mo
Today · 4.125%
HK$189,892
baseline
▲ 0.50% · 4.625%
HK$201,447
+HK$11,555/mo
Deposit HK$26.12M · loan HK$39.18M · min. income ≈ HK$379,784/mo (50% DSR)
Upfront cash ≈ HK$28.90M (deposit + AVD stamp duty HK$2,775,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,788
−HK$10,740/mo
▼ 0.25% · 3.875%
HK$204,119
−HK$5,409/mo
Today · 4.125%
HK$209,528
baseline
▲ 0.50% · 4.625%
HK$220,572
+HK$11,044/mo
Deposit HK$26.12M · loan HK$39.18M · min. income ≈ HK$419,056/mo (50% DSR)
Upfront cash ≈ HK$28.90M (deposit + AVD stamp duty HK$2,775,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,468
−HK$13,073/mo
▼ 0.25% · 3.875%
HK$214,953
−HK$6,588/mo
Today · 4.125%
HK$221,541
baseline
▲ 0.50% · 4.625%
HK$235,021
+HK$13,480/mo
Deposit HK$19.59M · loan HK$45.71M · min. income ≈ HK$443,082/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,775,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,919
−HK$12,530/mo
▼ 0.25% · 3.875%
HK$238,139
−HK$6,310/mo
Today · 4.125%
HK$244,449
baseline
▲ 0.50% · 4.625%
HK$257,334
+HK$12,885/mo
Deposit HK$19.59M · loan HK$45.71M · min. income ≈ HK$488,898/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$2,775,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,031
−HK$16,808/mo
▼ 0.25% · 3.875%
HK$276,368
−HK$8,471/mo
Today · 4.125%
HK$284,839
baseline
▲ 0.50% · 4.625%
HK$302,170
+HK$17,331/mo
Deposit HK$6.53M · loan HK$58.77M · min. income ≈ HK$569,678/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$2,775,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,182
−HK$16,109/mo
▼ 0.25% · 3.875%
HK$306,179
−HK$8,112/mo
Today · 4.125%
HK$314,291
baseline
▲ 0.50% · 4.625%
HK$330,858
+HK$16,567/mo
Deposit HK$6.53M · loan HK$58.77M · min. income ≈ HK$628,582/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$2,775,349 · Scale 2, in force from 26 Feb 2026)