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$143,635
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$148,103
−HK$4,539/mo
Today · 4.125%
HK$152,642
baseline
▲ 0.50% · 4.625%
HK$161,930
+HK$9,288/mo
Deposit HK$31.50M · loan HK$31.50M · min. income ≈ HK$305,284/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$2,677,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,793
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$164,078
−HK$4,348/mo
Today · 4.125%
HK$168,426
baseline
▲ 0.50% · 4.625%
HK$177,304
+HK$8,878/mo
Deposit HK$31.50M · loan HK$31.50M · min. income ≈ HK$336,852/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$2,677,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,362
−HK$10,809/mo
▼ 0.25% · 3.875%
HK$177,723
−HK$5,448/mo
Today · 4.125%
HK$183,171
baseline
▲ 0.50% · 4.625%
HK$194,316
+HK$11,145/mo
Deposit HK$25.20M · loan HK$37.79M · min. income ≈ HK$366,342/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,677,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,751
−HK$10,360/mo
▼ 0.25% · 3.875%
HK$196,894
−HK$5,217/mo
Today · 4.125%
HK$202,111
baseline
▲ 0.50% · 4.625%
HK$212,764
+HK$10,653/mo
Deposit HK$25.20M · loan HK$37.79M · min. income ≈ HK$404,222/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,677,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,089
−HK$12,610/mo
▼ 0.25% · 3.875%
HK$207,344
−HK$6,355/mo
Today · 4.125%
HK$213,699
baseline
▲ 0.50% · 4.625%
HK$226,702
+HK$13,003/mo
Deposit HK$18.90M · loan HK$44.09M · min. income ≈ HK$427,398/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$2,677,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,710
−HK$12,086/mo
▼ 0.25% · 3.875%
HK$229,709
−HK$6,087/mo
Today · 4.125%
HK$235,796
baseline
▲ 0.50% · 4.625%
HK$248,225
+HK$12,429/mo
Deposit HK$18.90M · loan HK$44.09M · min. income ≈ HK$471,592/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$2,677,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,543
−HK$16,213/mo
▼ 0.25% · 3.875%
HK$266,585
−HK$8,171/mo
Today · 4.125%
HK$274,756
baseline
▲ 0.50% · 4.625%
HK$291,474
+HK$16,718/mo
Deposit HK$6.30M · loan HK$56.69M · min. income ≈ HK$549,512/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,677,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,627
−HK$15,539/mo
▼ 0.25% · 3.875%
HK$295,341
−HK$7,825/mo
Today · 4.125%
HK$303,166
baseline
▲ 0.50% · 4.625%
HK$319,146
+HK$15,980/mo
Deposit HK$6.30M · loan HK$56.69M · min. income ≈ HK$606,332/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,677,107 · Scale 2, in force from 26 Feb 2026)