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$146,898
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$151,467
−HK$4,643/mo
Today · 4.125%
HK$156,110
baseline
▲ 0.50% · 4.625%
HK$165,609
+HK$9,499/mo
Deposit HK$32.21M · loan HK$32.21M · min. income ≈ HK$312,220/mo (50% DSR)
Upfront cash ≈ HK$34.95M (deposit + AVD stamp duty HK$2,737,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,422
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$167,805
−HK$4,447/mo
Today · 4.125%
HK$172,252
baseline
▲ 0.50% · 4.625%
HK$181,331
+HK$9,079/mo
Deposit HK$32.21M · loan HK$32.21M · min. income ≈ HK$344,504/mo (50% DSR)
Upfront cash ≈ HK$34.95M (deposit + AVD stamp duty HK$2,737,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,277
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$181,761
−HK$5,571/mo
Today · 4.125%
HK$187,332
baseline
▲ 0.50% · 4.625%
HK$198,730
+HK$11,398/mo
Deposit HK$25.77M · loan HK$38.65M · min. income ≈ HK$374,664/mo (50% DSR)
Upfront cash ≈ HK$28.51M (deposit + AVD stamp duty HK$2,737,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,107
−HK$10,595/mo
▼ 0.25% · 3.875%
HK$201,366
−HK$5,336/mo
Today · 4.125%
HK$206,702
baseline
▲ 0.50% · 4.625%
HK$217,598
+HK$10,896/mo
Deposit HK$25.77M · loan HK$38.65M · min. income ≈ HK$413,404/mo (50% DSR)
Upfront cash ≈ HK$28.51M (deposit + AVD stamp duty HK$2,737,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,657
−HK$12,897/mo
▼ 0.25% · 3.875%
HK$212,054
−HK$6,500/mo
Today · 4.125%
HK$218,554
baseline
▲ 0.50% · 4.625%
HK$231,852
+HK$13,298/mo
Deposit HK$19.33M · loan HK$45.10M · min. income ≈ HK$437,108/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,791
−HK$12,361/mo
▼ 0.25% · 3.875%
HK$234,927
−HK$6,225/mo
Today · 4.125%
HK$241,152
baseline
▲ 0.50% · 4.625%
HK$253,864
+HK$12,712/mo
Deposit HK$19.33M · loan HK$45.10M · min. income ≈ HK$482,304/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,416
−HK$16,581/mo
▼ 0.25% · 3.875%
HK$272,641
−HK$8,356/mo
Today · 4.125%
HK$280,997
baseline
▲ 0.50% · 4.625%
HK$298,095
+HK$17,098/mo
Deposit HK$6.44M · loan HK$57.98M · min. income ≈ HK$561,994/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,160
−HK$15,893/mo
▼ 0.25% · 3.875%
HK$302,050
−HK$8,003/mo
Today · 4.125%
HK$310,053
baseline
▲ 0.50% · 4.625%
HK$326,396
+HK$16,343/mo
Deposit HK$6.44M · loan HK$57.98M · min. income ≈ HK$620,106/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,921 · Scale 2, in force from 26 Feb 2026)