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$146,661
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$151,223
−HK$4,635/mo
Today · 4.125%
HK$155,858
baseline
▲ 0.50% · 4.625%
HK$165,342
+HK$9,484/mo
Deposit HK$32.16M · loan HK$32.16M · min. income ≈ HK$311,716/mo (50% DSR)
Upfront cash ≈ HK$34.89M (deposit + AVD stamp duty HK$2,733,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,159
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$167,535
−HK$4,439/mo
Today · 4.125%
HK$171,974
baseline
▲ 0.50% · 4.625%
HK$181,039
+HK$9,065/mo
Deposit HK$32.16M · loan HK$32.16M · min. income ≈ HK$343,948/mo (50% DSR)
Upfront cash ≈ HK$34.89M (deposit + AVD stamp duty HK$2,733,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,993
−HK$11,037/mo
▼ 0.25% · 3.875%
HK$181,468
−HK$5,562/mo
Today · 4.125%
HK$187,030
baseline
▲ 0.50% · 4.625%
HK$198,410
+HK$11,380/mo
Deposit HK$25.73M · loan HK$38.59M · min. income ≈ HK$374,060/mo (50% DSR)
Upfront cash ≈ HK$28.46M (deposit + AVD stamp duty HK$2,733,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,791
−HK$10,578/mo
▼ 0.25% · 3.875%
HK$201,042
−HK$5,327/mo
Today · 4.125%
HK$206,369
baseline
▲ 0.50% · 4.625%
HK$217,247
+HK$10,878/mo
Deposit HK$25.73M · loan HK$38.59M · min. income ≈ HK$412,738/mo (50% DSR)
Upfront cash ≈ HK$28.46M (deposit + AVD stamp duty HK$2,733,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,326
−HK$12,875/mo
▼ 0.25% · 3.875%
HK$211,712
−HK$6,489/mo
Today · 4.125%
HK$218,201
baseline
▲ 0.50% · 4.625%
HK$231,478
+HK$13,277/mo
Deposit HK$19.30M · loan HK$45.02M · min. income ≈ HK$436,402/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$2,733,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,423
−HK$12,341/mo
▼ 0.25% · 3.875%
HK$234,549
−HK$6,215/mo
Today · 4.125%
HK$240,764
baseline
▲ 0.50% · 4.625%
HK$253,455
+HK$12,691/mo
Deposit HK$19.30M · loan HK$45.02M · min. income ≈ HK$481,528/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$2,733,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,990
−HK$16,555/mo
▼ 0.25% · 3.875%
HK$272,202
−HK$8,343/mo
Today · 4.125%
HK$280,545
baseline
▲ 0.50% · 4.625%
HK$297,615
+HK$17,070/mo
Deposit HK$6.43M · loan HK$57.89M · min. income ≈ HK$561,090/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$2,733,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,686
−HK$15,867/mo
▼ 0.25% · 3.875%
HK$301,563
−HK$7,990/mo
Today · 4.125%
HK$309,553
baseline
▲ 0.50% · 4.625%
HK$325,870
+HK$16,317/mo
Deposit HK$6.43M · loan HK$57.89M · min. income ≈ HK$619,106/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$2,733,509 · Scale 2, in force from 26 Feb 2026)