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$146,180
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$150,727
−HK$4,620/mo
Today · 4.125%
HK$155,347
baseline
▲ 0.50% · 4.625%
HK$164,799
+HK$9,452/mo
Deposit HK$32.05M · loan HK$32.05M · min. income ≈ HK$310,694/mo (50% DSR)
Upfront cash ≈ HK$34.78M (deposit + AVD stamp duty HK$2,724,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,624
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,985
−HK$4,425/mo
Today · 4.125%
HK$171,410
baseline
▲ 0.50% · 4.625%
HK$180,445
+HK$9,035/mo
Deposit HK$32.05M · loan HK$32.05M · min. income ≈ HK$342,820/mo (50% DSR)
Upfront cash ≈ HK$34.78M (deposit + AVD stamp duty HK$2,724,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,416
−HK$11,000/mo
▼ 0.25% · 3.875%
HK$180,873
−HK$5,543/mo
Today · 4.125%
HK$186,416
baseline
▲ 0.50% · 4.625%
HK$197,759
+HK$11,343/mo
Deposit HK$25.64M · loan HK$38.46M · min. income ≈ HK$372,832/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,724,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,149
−HK$10,543/mo
▼ 0.25% · 3.875%
HK$200,382
−HK$5,310/mo
Today · 4.125%
HK$205,692
baseline
▲ 0.50% · 4.625%
HK$216,534
+HK$10,842/mo
Deposit HK$25.64M · loan HK$38.46M · min. income ≈ HK$411,384/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,724,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,652
−HK$12,834/mo
▼ 0.25% · 3.875%
HK$211,018
−HK$6,468/mo
Today · 4.125%
HK$217,486
baseline
▲ 0.50% · 4.625%
HK$230,719
+HK$13,233/mo
Deposit HK$19.23M · loan HK$44.87M · min. income ≈ HK$434,972/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,724,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,673
−HK$12,301/mo
▼ 0.25% · 3.875%
HK$233,780
−HK$6,194/mo
Today · 4.125%
HK$239,974
baseline
▲ 0.50% · 4.625%
HK$252,623
+HK$12,649/mo
Deposit HK$19.23M · loan HK$44.87M · min. income ≈ HK$479,948/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,724,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,124
−HK$16,500/mo
▼ 0.25% · 3.875%
HK$271,309
−HK$8,315/mo
Today · 4.125%
HK$279,624
baseline
▲ 0.50% · 4.625%
HK$296,639
+HK$17,015/mo
Deposit HK$6.41M · loan HK$57.70M · min. income ≈ HK$559,248/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,724,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,723
−HK$15,815/mo
▼ 0.25% · 3.875%
HK$300,574
−HK$7,964/mo
Today · 4.125%
HK$308,538
baseline
▲ 0.50% · 4.625%
HK$324,801
+HK$16,263/mo
Deposit HK$6.41M · loan HK$57.70M · min. income ≈ HK$617,076/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,724,542 · Scale 2, in force from 26 Feb 2026)