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$144,698
−HK$9,074/mo
▼ 0.25% · 3.875%
HK$149,199
−HK$4,573/mo
Today · 4.125%
HK$153,772
baseline
▲ 0.50% · 4.625%
HK$163,129
+HK$9,357/mo
Deposit HK$31.73M · loan HK$31.73M · min. income ≈ HK$307,544/mo (50% DSR)
Upfront cash ≈ HK$34.43M (deposit + AVD stamp duty HK$2,696,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,975
−HK$8,697/mo
▼ 0.25% · 3.875%
HK$165,292
−HK$4,380/mo
Today · 4.125%
HK$169,672
baseline
▲ 0.50% · 4.625%
HK$178,616
+HK$8,944/mo
Deposit HK$31.73M · loan HK$31.73M · min. income ≈ HK$339,344/mo (50% DSR)
Upfront cash ≈ HK$34.43M (deposit + AVD stamp duty HK$2,696,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,638
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$179,039
−HK$5,487/mo
Today · 4.125%
HK$184,526
baseline
▲ 0.50% · 4.625%
HK$195,754
+HK$11,228/mo
Deposit HK$25.38M · loan HK$38.07M · min. income ≈ HK$369,052/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,696,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,170
−HK$10,437/mo
▼ 0.25% · 3.875%
HK$198,351
−HK$5,256/mo
Today · 4.125%
HK$203,607
baseline
▲ 0.50% · 4.625%
HK$214,339
+HK$10,732/mo
Deposit HK$25.38M · loan HK$38.07M · min. income ≈ HK$407,214/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,696,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,577
−HK$12,704/mo
▼ 0.25% · 3.875%
HK$208,879
−HK$6,402/mo
Today · 4.125%
HK$215,281
baseline
▲ 0.50% · 4.625%
HK$228,380
+HK$13,099/mo
Deposit HK$19.04M · loan HK$44.42M · min. income ≈ HK$430,562/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,696,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,365
−HK$12,176/mo
▼ 0.25% · 3.875%
HK$231,409
−HK$6,132/mo
Today · 4.125%
HK$237,541
baseline
▲ 0.50% · 4.625%
HK$250,062
+HK$12,521/mo
Deposit HK$19.04M · loan HK$44.42M · min. income ≈ HK$475,082/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,696,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,456
−HK$16,333/mo
▼ 0.25% · 3.875%
HK$268,558
−HK$8,231/mo
Today · 4.125%
HK$276,789
baseline
▲ 0.50% · 4.625%
HK$293,631
+HK$16,842/mo
Deposit HK$6.35M · loan HK$57.11M · min. income ≈ HK$553,578/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,696,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,755
−HK$15,655/mo
▼ 0.25% · 3.875%
HK$297,526
−HK$7,884/mo
Today · 4.125%
HK$305,410
baseline
▲ 0.50% · 4.625%
HK$321,508
+HK$16,098/mo
Deposit HK$6.35M · loan HK$57.11M · min. income ≈ HK$610,820/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,696,919 · Scale 2, in force from 26 Feb 2026)