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$142,425
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$146,856
−HK$4,501/mo
Today · 4.125%
HK$151,357
baseline
▲ 0.50% · 4.625%
HK$160,566
+HK$9,209/mo
Deposit HK$31.23M · loan HK$31.23M · min. income ≈ HK$302,714/mo (50% DSR)
Upfront cash ≈ HK$33.88M (deposit + AVD stamp duty HK$2,654,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,447
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$162,696
−HK$4,311/mo
Today · 4.125%
HK$167,007
baseline
▲ 0.50% · 4.625%
HK$175,810
+HK$8,803/mo
Deposit HK$31.23M · loan HK$31.23M · min. income ≈ HK$334,014/mo (50% DSR)
Upfront cash ≈ HK$33.88M (deposit + AVD stamp duty HK$2,654,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,910
−HK$10,718/mo
▼ 0.25% · 3.875%
HK$176,227
−HK$5,401/mo
Today · 4.125%
HK$181,628
baseline
▲ 0.50% · 4.625%
HK$192,680
+HK$11,052/mo
Deposit HK$24.98M · loan HK$37.48M · min. income ≈ HK$363,256/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,654,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,136
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$195,235
−HK$5,174/mo
Today · 4.125%
HK$200,409
baseline
▲ 0.50% · 4.625%
HK$210,972
+HK$10,563/mo
Deposit HK$24.98M · loan HK$37.48M · min. income ≈ HK$400,818/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,654,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,395
−HK$12,504/mo
▼ 0.25% · 3.875%
HK$205,598
−HK$6,301/mo
Today · 4.125%
HK$211,899
baseline
▲ 0.50% · 4.625%
HK$224,793
+HK$12,894/mo
Deposit HK$18.74M · loan HK$43.72M · min. income ≈ HK$423,798/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,654,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,825
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$227,775
−HK$6,035/mo
Today · 4.125%
HK$233,810
baseline
▲ 0.50% · 4.625%
HK$246,134
+HK$12,324/mo
Deposit HK$18.74M · loan HK$43.72M · min. income ≈ HK$467,620/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,654,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,366
−HK$16,076/mo
▼ 0.25% · 3.875%
HK$264,340
−HK$8,102/mo
Today · 4.125%
HK$272,442
baseline
▲ 0.50% · 4.625%
HK$289,019
+HK$16,577/mo
Deposit HK$6.25M · loan HK$56.21M · min. income ≈ HK$544,884/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,654,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,204
−HK$15,409/mo
▼ 0.25% · 3.875%
HK$292,853
−HK$7,760/mo
Today · 4.125%
HK$300,613
baseline
▲ 0.50% · 4.625%
HK$316,458
+HK$15,845/mo
Deposit HK$6.25M · loan HK$56.21M · min. income ≈ HK$601,226/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,654,559 · Scale 2, in force from 26 Feb 2026)