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$142,570
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$147,004
−HK$4,506/mo
Today · 4.125%
HK$151,510
baseline
▲ 0.50% · 4.625%
HK$160,729
+HK$9,219/mo
Deposit HK$31.26M · loan HK$31.26M · min. income ≈ HK$303,020/mo (50% DSR)
Upfront cash ≈ HK$33.92M (deposit + AVD stamp duty HK$2,657,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,607
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$162,861
−HK$4,315/mo
Today · 4.125%
HK$167,176
baseline
▲ 0.50% · 4.625%
HK$175,988
+HK$8,812/mo
Deposit HK$31.26M · loan HK$31.26M · min. income ≈ HK$334,352/mo (50% DSR)
Upfront cash ≈ HK$33.92M (deposit + AVD stamp duty HK$2,657,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,083
−HK$10,729/mo
▼ 0.25% · 3.875%
HK$176,405
−HK$5,407/mo
Today · 4.125%
HK$181,812
baseline
▲ 0.50% · 4.625%
HK$192,875
+HK$11,063/mo
Deposit HK$25.01M · loan HK$37.51M · min. income ≈ HK$363,624/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,657,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,329
−HK$10,282/mo
▼ 0.25% · 3.875%
HK$195,433
−HK$5,178/mo
Today · 4.125%
HK$200,611
baseline
▲ 0.50% · 4.625%
HK$211,186
+HK$10,575/mo
Deposit HK$25.01M · loan HK$37.51M · min. income ≈ HK$401,222/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,657,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,597
−HK$12,517/mo
▼ 0.25% · 3.875%
HK$205,806
−HK$6,308/mo
Today · 4.125%
HK$212,114
baseline
▲ 0.50% · 4.625%
HK$225,020
+HK$12,906/mo
Deposit HK$18.76M · loan HK$43.77M · min. income ≈ HK$424,228/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,657,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,050
−HK$11,997/mo
▼ 0.25% · 3.875%
HK$228,005
−HK$6,042/mo
Today · 4.125%
HK$234,047
baseline
▲ 0.50% · 4.625%
HK$246,384
+HK$12,337/mo
Deposit HK$18.76M · loan HK$43.77M · min. income ≈ HK$468,094/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,657,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,625
−HK$16,093/mo
▼ 0.25% · 3.875%
HK$264,608
−HK$8,110/mo
Today · 4.125%
HK$272,718
baseline
▲ 0.50% · 4.625%
HK$289,312
+HK$16,594/mo
Deposit HK$6.25M · loan HK$56.27M · min. income ≈ HK$545,436/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,657,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,493
−HK$15,424/mo
▼ 0.25% · 3.875%
HK$293,150
−HK$7,767/mo
Today · 4.125%
HK$300,917
baseline
▲ 0.50% · 4.625%
HK$316,779
+HK$15,862/mo
Deposit HK$6.25M · loan HK$56.27M · min. income ≈ HK$601,834/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,657,247 · Scale 2, in force from 26 Feb 2026)