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$142,446
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$146,877
−HK$4,502/mo
Today · 4.125%
HK$151,379
baseline
▲ 0.50% · 4.625%
HK$160,590
+HK$9,211/mo
Deposit HK$31.23M · loan HK$31.23M · min. income ≈ HK$302,758/mo (50% DSR)
Upfront cash ≈ HK$33.89M (deposit + AVD stamp duty HK$2,654,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,470
−HK$8,561/mo
▼ 0.25% · 3.875%
HK$162,720
−HK$4,311/mo
Today · 4.125%
HK$167,031
baseline
▲ 0.50% · 4.625%
HK$175,836
+HK$8,805/mo
Deposit HK$31.23M · loan HK$31.23M · min. income ≈ HK$334,062/mo (50% DSR)
Upfront cash ≈ HK$33.89M (deposit + AVD stamp duty HK$2,654,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,935
−HK$10,719/mo
▼ 0.25% · 3.875%
HK$176,252
−HK$5,402/mo
Today · 4.125%
HK$181,654
baseline
▲ 0.50% · 4.625%
HK$192,708
+HK$11,054/mo
Deposit HK$24.99M · loan HK$37.48M · min. income ≈ HK$363,308/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,654,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,164
−HK$10,274/mo
▼ 0.25% · 3.875%
HK$195,264
−HK$5,174/mo
Today · 4.125%
HK$200,438
baseline
▲ 0.50% · 4.625%
HK$211,003
+HK$10,565/mo
Deposit HK$24.99M · loan HK$37.48M · min. income ≈ HK$400,876/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,654,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,424
−HK$12,506/mo
▼ 0.25% · 3.875%
HK$205,628
−HK$6,302/mo
Today · 4.125%
HK$211,930
baseline
▲ 0.50% · 4.625%
HK$224,826
+HK$12,896/mo
Deposit HK$18.74M · loan HK$43.73M · min. income ≈ HK$423,860/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$2,654,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,858
−HK$11,986/mo
▼ 0.25% · 3.875%
HK$227,808
−HK$6,036/mo
Today · 4.125%
HK$233,844
baseline
▲ 0.50% · 4.625%
HK$246,170
+HK$12,326/mo
Deposit HK$18.74M · loan HK$43.73M · min. income ≈ HK$467,688/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$2,654,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,403
−HK$16,079/mo
▼ 0.25% · 3.875%
HK$264,378
−HK$8,104/mo
Today · 4.125%
HK$272,482
baseline
▲ 0.50% · 4.625%
HK$289,061
+HK$16,579/mo
Deposit HK$6.25M · loan HK$56.22M · min. income ≈ HK$544,964/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,654,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,246
−HK$15,411/mo
▼ 0.25% · 3.875%
HK$292,896
−HK$7,761/mo
Today · 4.125%
HK$300,657
baseline
▲ 0.50% · 4.625%
HK$316,505
+HK$15,848/mo
Deposit HK$6.25M · loan HK$56.22M · min. income ≈ HK$601,314/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,654,946 · Scale 2, in force from 26 Feb 2026)