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$146,694
−HK$9,199/mo
▼ 0.25% · 3.875%
HK$151,257
−HK$4,636/mo
Today · 4.125%
HK$155,893
baseline
▲ 0.50% · 4.625%
HK$165,379
+HK$9,486/mo
Deposit HK$32.17M · loan HK$32.17M · min. income ≈ HK$311,786/mo (50% DSR)
Upfront cash ≈ HK$34.90M (deposit + AVD stamp duty HK$2,734,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,196
−HK$8,817/mo
▼ 0.25% · 3.875%
HK$167,572
−HK$4,441/mo
Today · 4.125%
HK$172,013
baseline
▲ 0.50% · 4.625%
HK$181,080
+HK$9,067/mo
Deposit HK$32.17M · loan HK$32.17M · min. income ≈ HK$344,026/mo (50% DSR)
Upfront cash ≈ HK$34.90M (deposit + AVD stamp duty HK$2,734,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,033
−HK$11,039/mo
▼ 0.25% · 3.875%
HK$181,508
−HK$5,564/mo
Today · 4.125%
HK$187,072
baseline
▲ 0.50% · 4.625%
HK$198,454
+HK$11,382/mo
Deposit HK$25.73M · loan HK$38.60M · min. income ≈ HK$374,144/mo (50% DSR)
Upfront cash ≈ HK$28.47M (deposit + AVD stamp duty HK$2,734,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,835
−HK$10,580/mo
▼ 0.25% · 3.875%
HK$201,087
−HK$5,328/mo
Today · 4.125%
HK$206,415
baseline
▲ 0.50% · 4.625%
HK$217,295
+HK$10,880/mo
Deposit HK$25.73M · loan HK$38.60M · min. income ≈ HK$412,830/mo (50% DSR)
Upfront cash ≈ HK$28.47M (deposit + AVD stamp duty HK$2,734,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,372
−HK$12,878/mo
▼ 0.25% · 3.875%
HK$211,760
−HK$6,490/mo
Today · 4.125%
HK$218,250
baseline
▲ 0.50% · 4.625%
HK$231,530
+HK$13,280/mo
Deposit HK$19.30M · loan HK$45.03M · min. income ≈ HK$436,500/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$2,734,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,474
−HK$12,344/mo
▼ 0.25% · 3.875%
HK$234,601
−HK$6,217/mo
Today · 4.125%
HK$240,818
baseline
▲ 0.50% · 4.625%
HK$253,511
+HK$12,693/mo
Deposit HK$19.30M · loan HK$45.03M · min. income ≈ HK$481,636/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$2,734,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,049
−HK$16,558/mo
▼ 0.25% · 3.875%
HK$272,263
−HK$8,344/mo
Today · 4.125%
HK$280,607
baseline
▲ 0.50% · 4.625%
HK$297,682
+HK$17,075/mo
Deposit HK$6.43M · loan HK$57.90M · min. income ≈ HK$561,214/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$2,734,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,752
−HK$15,871/mo
▼ 0.25% · 3.875%
HK$301,630
−HK$7,993/mo
Today · 4.125%
HK$309,623
baseline
▲ 0.50% · 4.625%
HK$325,943
+HK$16,320/mo
Deposit HK$6.43M · loan HK$57.90M · min. income ≈ HK$619,246/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$2,734,120 · Scale 2, in force from 26 Feb 2026)