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$146,277
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$150,827
−HK$4,622/mo
Today · 4.125%
HK$155,449
baseline
▲ 0.50% · 4.625%
HK$164,908
+HK$9,459/mo
Deposit HK$32.07M · loan HK$32.07M · min. income ≈ HK$310,898/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$2,726,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,731
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,096
−HK$4,427/mo
Today · 4.125%
HK$171,523
baseline
▲ 0.50% · 4.625%
HK$180,564
+HK$9,041/mo
Deposit HK$32.07M · loan HK$32.07M · min. income ≈ HK$343,046/mo (50% DSR)
Upfront cash ≈ HK$34.80M (deposit + AVD stamp duty HK$2,726,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,532
−HK$11,007/mo
▼ 0.25% · 3.875%
HK$180,992
−HK$5,547/mo
Today · 4.125%
HK$186,539
baseline
▲ 0.50% · 4.625%
HK$197,890
+HK$11,351/mo
Deposit HK$25.66M · loan HK$38.49M · min. income ≈ HK$373,078/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,726,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,278
−HK$10,550/mo
▼ 0.25% · 3.875%
HK$200,515
−HK$5,313/mo
Today · 4.125%
HK$205,828
baseline
▲ 0.50% · 4.625%
HK$216,677
+HK$10,849/mo
Deposit HK$25.66M · loan HK$38.49M · min. income ≈ HK$411,656/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,726,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,787
−HK$12,842/mo
▼ 0.25% · 3.875%
HK$211,157
−HK$6,472/mo
Today · 4.125%
HK$217,629
baseline
▲ 0.50% · 4.625%
HK$230,871
+HK$13,242/mo
Deposit HK$19.24M · loan HK$44.90M · min. income ≈ HK$435,258/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,726,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,824
−HK$12,308/mo
▼ 0.25% · 3.875%
HK$233,934
−HK$6,198/mo
Today · 4.125%
HK$240,132
baseline
▲ 0.50% · 4.625%
HK$252,790
+HK$12,658/mo
Deposit HK$19.24M · loan HK$44.90M · min. income ≈ HK$480,264/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$2,726,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,298
−HK$16,511/mo
▼ 0.25% · 3.875%
HK$271,488
−HK$8,321/mo
Today · 4.125%
HK$279,809
baseline
▲ 0.50% · 4.625%
HK$296,835
+HK$17,026/mo
Deposit HK$6.41M · loan HK$57.73M · min. income ≈ HK$559,618/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,726,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,916
−HK$15,826/mo
▼ 0.25% · 3.875%
HK$300,772
−HK$7,970/mo
Today · 4.125%
HK$308,742
baseline
▲ 0.50% · 4.625%
HK$325,016
+HK$16,274/mo
Deposit HK$6.41M · loan HK$57.73M · min. income ≈ HK$617,484/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,726,342 · Scale 2, in force from 26 Feb 2026)