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$146,849
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$151,417
−HK$4,641/mo
Today · 4.125%
HK$156,058
baseline
▲ 0.50% · 4.625%
HK$165,554
+HK$9,496/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$312,116/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,737,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,368
−HK$8,827/mo
▼ 0.25% · 3.875%
HK$167,750
−HK$4,445/mo
Today · 4.125%
HK$172,195
baseline
▲ 0.50% · 4.625%
HK$181,271
+HK$9,076/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$344,390/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,737,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,219
−HK$11,051/mo
▼ 0.25% · 3.875%
HK$181,701
−HK$5,569/mo
Today · 4.125%
HK$187,270
baseline
▲ 0.50% · 4.625%
HK$198,665
+HK$11,395/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$374,540/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,737,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,042
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,300
−HK$5,334/mo
Today · 4.125%
HK$206,634
baseline
▲ 0.50% · 4.625%
HK$217,526
+HK$10,892/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$413,268/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,737,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,589
−HK$12,892/mo
▼ 0.25% · 3.875%
HK$211,984
−HK$6,497/mo
Today · 4.125%
HK$218,481
baseline
▲ 0.50% · 4.625%
HK$231,775
+HK$13,294/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$436,962/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,716
−HK$12,357/mo
▼ 0.25% · 3.875%
HK$234,850
−HK$6,223/mo
Today · 4.125%
HK$241,073
baseline
▲ 0.50% · 4.625%
HK$253,780
+HK$12,707/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$482,146/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,329
−HK$16,576/mo
▼ 0.25% · 3.875%
HK$272,551
−HK$8,354/mo
Today · 4.125%
HK$280,905
baseline
▲ 0.50% · 4.625%
HK$297,997
+HK$17,092/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$561,810/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,063
−HK$15,887/mo
▼ 0.25% · 3.875%
HK$301,950
−HK$8,000/mo
Today · 4.125%
HK$309,950
baseline
▲ 0.50% · 4.625%
HK$326,288
+HK$16,338/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$619,900/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,016 · Scale 2, in force from 26 Feb 2026)