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$145,408
−HK$9,119/mo
▼ 0.25% · 3.875%
HK$149,931
−HK$4,596/mo
Today · 4.125%
HK$154,527
baseline
▲ 0.50% · 4.625%
HK$163,929
+HK$9,402/mo
Deposit HK$31.88M · loan HK$31.88M · min. income ≈ HK$309,054/mo (50% DSR)
Upfront cash ≈ HK$34.59M (deposit + AVD stamp duty HK$2,710,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,765
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$166,104
−HK$4,401/mo
Today · 4.125%
HK$170,505
baseline
▲ 0.50% · 4.625%
HK$179,492
+HK$8,987/mo
Deposit HK$31.88M · loan HK$31.88M · min. income ≈ HK$341,010/mo (50% DSR)
Upfront cash ≈ HK$34.59M (deposit + AVD stamp duty HK$2,710,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,490
−HK$10,942/mo
▼ 0.25% · 3.875%
HK$179,918
−HK$5,514/mo
Today · 4.125%
HK$185,432
baseline
▲ 0.50% · 4.625%
HK$196,715
+HK$11,283/mo
Deposit HK$25.51M · loan HK$38.26M · min. income ≈ HK$370,864/mo (50% DSR)
Upfront cash ≈ HK$28.22M (deposit + AVD stamp duty HK$2,710,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,118
−HK$10,488/mo
▼ 0.25% · 3.875%
HK$199,324
−HK$5,282/mo
Today · 4.125%
HK$204,606
baseline
▲ 0.50% · 4.625%
HK$215,391
+HK$10,785/mo
Deposit HK$25.51M · loan HK$38.26M · min. income ≈ HK$409,212/mo (50% DSR)
Upfront cash ≈ HK$28.22M (deposit + AVD stamp duty HK$2,710,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,572
−HK$12,765/mo
▼ 0.25% · 3.875%
HK$209,904
−HK$6,433/mo
Today · 4.125%
HK$216,337
baseline
▲ 0.50% · 4.625%
HK$229,501
+HK$13,164/mo
Deposit HK$19.13M · loan HK$44.64M · min. income ≈ HK$432,674/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,710,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,471
−HK$12,236/mo
▼ 0.25% · 3.875%
HK$232,545
−HK$6,162/mo
Today · 4.125%
HK$238,707
baseline
▲ 0.50% · 4.625%
HK$251,289
+HK$12,582/mo
Deposit HK$19.13M · loan HK$44.64M · min. income ≈ HK$477,414/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$2,710,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,735
−HK$16,413/mo
▼ 0.25% · 3.875%
HK$269,876
−HK$8,272/mo
Today · 4.125%
HK$278,148
baseline
▲ 0.50% · 4.625%
HK$295,073
+HK$16,925/mo
Deposit HK$6.38M · loan HK$57.39M · min. income ≈ HK$556,296/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,710,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,177
−HK$15,732/mo
▼ 0.25% · 3.875%
HK$298,987
−HK$7,922/mo
Today · 4.125%
HK$306,909
baseline
▲ 0.50% · 4.625%
HK$323,086
+HK$16,177/mo
Deposit HK$6.38M · loan HK$57.39M · min. income ≈ HK$613,818/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,710,156 · Scale 2, in force from 26 Feb 2026)