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$143,478
−HK$8,997/mo
▼ 0.25% · 3.875%
HK$147,941
−HK$4,534/mo
Today · 4.125%
HK$152,475
baseline
▲ 0.50% · 4.625%
HK$161,753
+HK$9,278/mo
Deposit HK$31.46M · loan HK$31.46M · min. income ≈ HK$304,950/mo (50% DSR)
Upfront cash ≈ HK$34.14M (deposit + AVD stamp duty HK$2,674,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,617
−HK$8,624/mo
▼ 0.25% · 3.875%
HK$163,898
−HK$4,343/mo
Today · 4.125%
HK$168,241
baseline
▲ 0.50% · 4.625%
HK$177,109
+HK$8,868/mo
Deposit HK$31.46M · loan HK$31.46M · min. income ≈ HK$336,482/mo (50% DSR)
Upfront cash ≈ HK$34.14M (deposit + AVD stamp duty HK$2,674,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,173
−HK$10,797/mo
▼ 0.25% · 3.875%
HK$177,529
−HK$5,441/mo
Today · 4.125%
HK$182,970
baseline
▲ 0.50% · 4.625%
HK$194,103
+HK$11,133/mo
Deposit HK$25.17M · loan HK$37.75M · min. income ≈ HK$365,940/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,674,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,541
−HK$10,348/mo
▼ 0.25% · 3.875%
HK$196,678
−HK$5,211/mo
Today · 4.125%
HK$201,889
baseline
▲ 0.50% · 4.625%
HK$212,531
+HK$10,642/mo
Deposit HK$25.17M · loan HK$37.75M · min. income ≈ HK$403,778/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,674,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,869
−HK$12,596/mo
▼ 0.25% · 3.875%
HK$207,117
−HK$6,348/mo
Today · 4.125%
HK$213,465
baseline
▲ 0.50% · 4.625%
HK$226,454
+HK$12,989/mo
Deposit HK$18.88M · loan HK$44.05M · min. income ≈ HK$426,930/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,674,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,464
−HK$12,073/mo
▼ 0.25% · 3.875%
HK$229,458
−HK$6,079/mo
Today · 4.125%
HK$235,537
baseline
▲ 0.50% · 4.625%
HK$247,953
+HK$12,416/mo
Deposit HK$18.88M · loan HK$44.05M · min. income ≈ HK$471,074/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,674,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,260
−HK$16,195/mo
▼ 0.25% · 3.875%
HK$266,293
−HK$8,162/mo
Today · 4.125%
HK$274,455
baseline
▲ 0.50% · 4.625%
HK$291,155
+HK$16,700/mo
Deposit HK$6.29M · loan HK$56.63M · min. income ≈ HK$548,910/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$2,674,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,311
−HK$15,523/mo
▼ 0.25% · 3.875%
HK$295,017
−HK$7,817/mo
Today · 4.125%
HK$302,834
baseline
▲ 0.50% · 4.625%
HK$318,797
+HK$15,963/mo
Deposit HK$6.29M · loan HK$56.63M · min. income ≈ HK$605,668/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$2,674,173 · Scale 2, in force from 26 Feb 2026)