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$144,502
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$148,997
−HK$4,567/mo
Today · 4.125%
HK$153,564
baseline
▲ 0.50% · 4.625%
HK$162,908
+HK$9,344/mo
Deposit HK$31.69M · loan HK$31.69M · min. income ≈ HK$307,128/mo (50% DSR)
Upfront cash ≈ HK$34.38M (deposit + AVD stamp duty HK$2,693,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,757
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$165,069
−HK$4,374/mo
Today · 4.125%
HK$169,443
baseline
▲ 0.50% · 4.625%
HK$178,374
+HK$8,931/mo
Deposit HK$31.69M · loan HK$31.69M · min. income ≈ HK$338,886/mo (50% DSR)
Upfront cash ≈ HK$34.38M (deposit + AVD stamp duty HK$2,693,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,403
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$178,797
−HK$5,480/mo
Today · 4.125%
HK$184,277
baseline
▲ 0.50% · 4.625%
HK$195,490
+HK$11,213/mo
Deposit HK$25.35M · loan HK$38.02M · min. income ≈ HK$368,554/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,693,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,909
−HK$10,422/mo
▼ 0.25% · 3.875%
HK$198,083
−HK$5,248/mo
Today · 4.125%
HK$203,331
baseline
▲ 0.50% · 4.625%
HK$214,049
+HK$10,718/mo
Deposit HK$25.35M · loan HK$38.02M · min. income ≈ HK$406,662/mo (50% DSR)
Upfront cash ≈ HK$28.04M (deposit + AVD stamp duty HK$2,693,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,303
−HK$12,686/mo
▼ 0.25% · 3.875%
HK$208,596
−HK$6,393/mo
Today · 4.125%
HK$214,989
baseline
▲ 0.50% · 4.625%
HK$228,071
+HK$13,082/mo
Deposit HK$19.01M · loan HK$44.36M · min. income ≈ HK$429,978/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$2,693,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,060
−HK$12,160/mo
▼ 0.25% · 3.875%
HK$231,096
−HK$6,124/mo
Today · 4.125%
HK$237,220
baseline
▲ 0.50% · 4.625%
HK$249,724
+HK$12,504/mo
Deposit HK$19.01M · loan HK$44.36M · min. income ≈ HK$474,440/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$2,693,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,104
−HK$16,311/mo
▼ 0.25% · 3.875%
HK$268,195
−HK$8,220/mo
Today · 4.125%
HK$276,415
baseline
▲ 0.50% · 4.625%
HK$293,234
+HK$16,819/mo
Deposit HK$6.34M · loan HK$57.03M · min. income ≈ HK$552,830/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$2,693,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,363
−HK$15,634/mo
▼ 0.25% · 3.875%
HK$297,124
−HK$7,873/mo
Today · 4.125%
HK$304,997
baseline
▲ 0.50% · 4.625%
HK$321,074
+HK$16,077/mo
Deposit HK$6.34M · loan HK$57.03M · min. income ≈ HK$609,994/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$2,693,272 · Scale 2, in force from 26 Feb 2026)