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$146,770
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$151,336
−HK$4,638/mo
Today · 4.125%
HK$155,974
baseline
▲ 0.50% · 4.625%
HK$165,465
+HK$9,491/mo
Deposit HK$32.18M · loan HK$32.18M · min. income ≈ HK$311,948/mo (50% DSR)
Upfront cash ≈ HK$34.92M (deposit + AVD stamp duty HK$2,735,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,281
−HK$8,821/mo
▼ 0.25% · 3.875%
HK$167,660
−HK$4,442/mo
Today · 4.125%
HK$172,102
baseline
▲ 0.50% · 4.625%
HK$181,174
+HK$9,072/mo
Deposit HK$32.18M · loan HK$32.18M · min. income ≈ HK$344,204/mo (50% DSR)
Upfront cash ≈ HK$34.92M (deposit + AVD stamp duty HK$2,735,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,124
−HK$11,045/mo
▼ 0.25% · 3.875%
HK$181,603
−HK$5,566/mo
Today · 4.125%
HK$187,169
baseline
▲ 0.50% · 4.625%
HK$198,558
+HK$11,389/mo
Deposit HK$25.75M · loan HK$38.62M · min. income ≈ HK$374,338/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,735,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,937
−HK$10,586/mo
▼ 0.25% · 3.875%
HK$201,192
−HK$5,331/mo
Today · 4.125%
HK$206,523
baseline
▲ 0.50% · 4.625%
HK$217,409
+HK$10,886/mo
Deposit HK$25.75M · loan HK$38.62M · min. income ≈ HK$413,046/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,735,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,478
−HK$12,886/mo
▼ 0.25% · 3.875%
HK$211,870
−HK$6,494/mo
Today · 4.125%
HK$218,364
baseline
▲ 0.50% · 4.625%
HK$231,651
+HK$13,287/mo
Deposit HK$19.31M · loan HK$45.06M · min. income ≈ HK$436,728/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,735,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,593
−HK$12,350/mo
▼ 0.25% · 3.875%
HK$234,724
−HK$6,219/mo
Today · 4.125%
HK$240,943
baseline
▲ 0.50% · 4.625%
HK$253,643
+HK$12,700/mo
Deposit HK$19.31M · loan HK$45.06M · min. income ≈ HK$481,886/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,735,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,187
−HK$16,566/mo
▼ 0.25% · 3.875%
HK$272,404
−HK$8,349/mo
Today · 4.125%
HK$280,753
baseline
▲ 0.50% · 4.625%
HK$297,837
+HK$17,084/mo
Deposit HK$6.44M · loan HK$57.93M · min. income ≈ HK$561,506/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$2,735,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,905
−HK$15,879/mo
▼ 0.25% · 3.875%
HK$301,787
−HK$7,997/mo
Today · 4.125%
HK$309,784
baseline
▲ 0.50% · 4.625%
HK$326,113
+HK$16,329/mo
Deposit HK$6.44M · loan HK$57.93M · min. income ≈ HK$619,568/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$2,735,544 · Scale 2, in force from 26 Feb 2026)