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$148,790
−HK$9,331/mo
▼ 0.25% · 3.875%
HK$153,419
−HK$4,702/mo
Today · 4.125%
HK$158,121
baseline
▲ 0.50% · 4.625%
HK$167,742
+HK$9,621/mo
Deposit HK$32.63M · loan HK$32.63M · min. income ≈ HK$316,242/mo (50% DSR)
Upfront cash ≈ HK$35.40M (deposit + AVD stamp duty HK$2,773,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,528
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$169,967
−HK$4,504/mo
Today · 4.125%
HK$174,471
baseline
▲ 0.50% · 4.625%
HK$183,667
+HK$9,196/mo
Deposit HK$32.63M · loan HK$32.63M · min. income ≈ HK$348,942/mo (50% DSR)
Upfront cash ≈ HK$35.40M (deposit + AVD stamp duty HK$2,773,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,549
−HK$11,196/mo
▼ 0.25% · 3.875%
HK$184,102
−HK$5,643/mo
Today · 4.125%
HK$189,745
baseline
▲ 0.50% · 4.625%
HK$201,291
+HK$11,546/mo
Deposit HK$26.10M · loan HK$39.15M · min. income ≈ HK$379,490/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,773,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,633
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$203,961
−HK$5,404/mo
Today · 4.125%
HK$209,365
baseline
▲ 0.50% · 4.625%
HK$220,401
+HK$11,036/mo
Deposit HK$26.10M · loan HK$39.15M · min. income ≈ HK$418,730/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,773,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,307
−HK$13,062/mo
▼ 0.25% · 3.875%
HK$214,786
−HK$6,583/mo
Today · 4.125%
HK$221,369
baseline
▲ 0.50% · 4.625%
HK$234,839
+HK$13,470/mo
Deposit HK$19.58M · loan HK$45.68M · min. income ≈ HK$442,738/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,773,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,739
−HK$12,520/mo
▼ 0.25% · 3.875%
HK$237,954
−HK$6,305/mo
Today · 4.125%
HK$244,259
baseline
▲ 0.50% · 4.625%
HK$257,134
+HK$12,875/mo
Deposit HK$19.58M · loan HK$45.68M · min. income ≈ HK$488,518/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,773,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,823
−HK$16,795/mo
▼ 0.25% · 3.875%
HK$276,154
−HK$8,464/mo
Today · 4.125%
HK$284,618
baseline
▲ 0.50% · 4.625%
HK$301,936
+HK$17,318/mo
Deposit HK$6.53M · loan HK$58.73M · min. income ≈ HK$569,236/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$2,773,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,950
−HK$16,098/mo
▼ 0.25% · 3.875%
HK$305,941
−HK$8,107/mo
Today · 4.125%
HK$314,048
baseline
▲ 0.50% · 4.625%
HK$330,601
+HK$16,553/mo
Deposit HK$6.53M · loan HK$58.73M · min. income ≈ HK$628,096/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$2,773,195 · Scale 2, in force from 26 Feb 2026)