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$143,334
−HK$8,988/mo
▼ 0.25% · 3.875%
HK$147,793
−HK$4,529/mo
Today · 4.125%
HK$152,322
baseline
▲ 0.50% · 4.625%
HK$161,591
+HK$9,269/mo
Deposit HK$31.43M · loan HK$31.43M · min. income ≈ HK$304,644/mo (50% DSR)
Upfront cash ≈ HK$34.10M (deposit + AVD stamp duty HK$2,671,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,458
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$163,734
−HK$4,339/mo
Today · 4.125%
HK$168,073
baseline
▲ 0.50% · 4.625%
HK$176,932
+HK$8,859/mo
Deposit HK$31.43M · loan HK$31.43M · min. income ≈ HK$336,146/mo (50% DSR)
Upfront cash ≈ HK$34.10M (deposit + AVD stamp duty HK$2,671,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,001
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$177,351
−HK$5,436/mo
Today · 4.125%
HK$182,787
baseline
▲ 0.50% · 4.625%
HK$193,909
+HK$11,122/mo
Deposit HK$25.14M · loan HK$37.72M · min. income ≈ HK$365,574/mo (50% DSR)
Upfront cash ≈ HK$27.82M (deposit + AVD stamp duty HK$2,671,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,349
−HK$10,338/mo
▼ 0.25% · 3.875%
HK$196,481
−HK$5,206/mo
Today · 4.125%
HK$201,687
baseline
▲ 0.50% · 4.625%
HK$212,319
+HK$10,632/mo
Deposit HK$25.14M · loan HK$37.72M · min. income ≈ HK$403,374/mo (50% DSR)
Upfront cash ≈ HK$27.82M (deposit + AVD stamp duty HK$2,671,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,668
−HK$12,583/mo
▼ 0.25% · 3.875%
HK$206,910
−HK$6,341/mo
Today · 4.125%
HK$213,251
baseline
▲ 0.50% · 4.625%
HK$226,227
+HK$12,976/mo
Deposit HK$18.86M · loan HK$44.00M · min. income ≈ HK$426,502/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,671,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,241
−HK$12,061/mo
▼ 0.25% · 3.875%
HK$229,228
−HK$6,074/mo
Today · 4.125%
HK$235,302
baseline
▲ 0.50% · 4.625%
HK$247,705
+HK$12,403/mo
Deposit HK$18.86M · loan HK$44.00M · min. income ≈ HK$470,604/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,671,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,001
−HK$16,179/mo
▼ 0.25% · 3.875%
HK$266,027
−HK$8,153/mo
Today · 4.125%
HK$274,180
baseline
▲ 0.50% · 4.625%
HK$290,864
+HK$16,684/mo
Deposit HK$6.29M · loan HK$56.57M · min. income ≈ HK$548,360/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$2,671,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,024
−HK$15,507/mo
▼ 0.25% · 3.875%
HK$294,722
−HK$7,809/mo
Today · 4.125%
HK$302,531
baseline
▲ 0.50% · 4.625%
HK$318,478
+HK$15,947/mo
Deposit HK$6.29M · loan HK$56.57M · min. income ≈ HK$605,062/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$2,671,498 · Scale 2, in force from 26 Feb 2026)