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$145,536
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$150,063
−HK$4,599/mo
Today · 4.125%
HK$154,662
baseline
▲ 0.50% · 4.625%
HK$164,073
+HK$9,411/mo
Deposit HK$31.91M · loan HK$31.91M · min. income ≈ HK$309,324/mo (50% DSR)
Upfront cash ≈ HK$34.62M (deposit + AVD stamp duty HK$2,712,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,907
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$166,249
−HK$4,405/mo
Today · 4.125%
HK$170,654
baseline
▲ 0.50% · 4.625%
HK$179,650
+HK$8,996/mo
Deposit HK$31.91M · loan HK$31.91M · min. income ≈ HK$341,308/mo (50% DSR)
Upfront cash ≈ HK$34.62M (deposit + AVD stamp duty HK$2,712,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,643
−HK$10,952/mo
▼ 0.25% · 3.875%
HK$180,075
−HK$5,520/mo
Today · 4.125%
HK$185,595
baseline
▲ 0.50% · 4.625%
HK$196,888
+HK$11,293/mo
Deposit HK$25.53M · loan HK$38.29M · min. income ≈ HK$371,190/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,712,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,288
−HK$10,497/mo
▼ 0.25% · 3.875%
HK$199,499
−HK$5,286/mo
Today · 4.125%
HK$204,785
baseline
▲ 0.50% · 4.625%
HK$215,580
+HK$10,795/mo
Deposit HK$25.53M · loan HK$38.29M · min. income ≈ HK$409,570/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,712,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,750
−HK$12,777/mo
▼ 0.25% · 3.875%
HK$210,088
−HK$6,439/mo
Today · 4.125%
HK$216,527
baseline
▲ 0.50% · 4.625%
HK$229,702
+HK$13,175/mo
Deposit HK$19.15M · loan HK$44.68M · min. income ≈ HK$433,054/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,712,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,670
−HK$12,246/mo
▼ 0.25% · 3.875%
HK$232,749
−HK$6,167/mo
Today · 4.125%
HK$238,916
baseline
▲ 0.50% · 4.625%
HK$251,510
+HK$12,594/mo
Deposit HK$19.15M · loan HK$44.68M · min. income ≈ HK$477,832/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$2,712,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,964
−HK$16,428/mo
▼ 0.25% · 3.875%
HK$270,113
−HK$8,279/mo
Today · 4.125%
HK$278,392
baseline
▲ 0.50% · 4.625%
HK$295,331
+HK$16,939/mo
Deposit HK$6.38M · loan HK$57.44M · min. income ≈ HK$556,784/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,712,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,433
−HK$15,745/mo
▼ 0.25% · 3.875%
HK$299,249
−HK$7,929/mo
Today · 4.125%
HK$307,178
baseline
▲ 0.50% · 4.625%
HK$323,370
+HK$16,192/mo
Deposit HK$6.38M · loan HK$57.44M · min. income ≈ HK$614,356/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,712,533 · Scale 2, in force from 26 Feb 2026)