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$150,103
−HK$9,413/mo
▼ 0.25% · 3.875%
HK$154,772
−HK$4,744/mo
Today · 4.125%
HK$159,516
baseline
▲ 0.50% · 4.625%
HK$169,222
+HK$9,706/mo
Deposit HK$32.91M · loan HK$32.91M · min. income ≈ HK$319,032/mo (50% DSR)
Upfront cash ≈ HK$35.71M (deposit + AVD stamp duty HK$2,797,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,988
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$171,467
−HK$4,543/mo
Today · 4.125%
HK$176,010
baseline
▲ 0.50% · 4.625%
HK$185,288
+HK$9,278/mo
Deposit HK$32.91M · loan HK$32.91M · min. income ≈ HK$352,020/mo (50% DSR)
Upfront cash ≈ HK$35.71M (deposit + AVD stamp duty HK$2,797,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,124
−HK$11,295/mo
▼ 0.25% · 3.875%
HK$185,727
−HK$5,692/mo
Today · 4.125%
HK$191,419
baseline
▲ 0.50% · 4.625%
HK$203,067
+HK$11,648/mo
Deposit HK$26.33M · loan HK$39.50M · min. income ≈ HK$382,838/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,797,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,386
−HK$10,826/mo
▼ 0.25% · 3.875%
HK$205,760
−HK$5,452/mo
Today · 4.125%
HK$211,212
baseline
▲ 0.50% · 4.625%
HK$222,346
+HK$11,134/mo
Deposit HK$26.33M · loan HK$39.50M · min. income ≈ HK$422,424/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,797,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,145
−HK$13,177/mo
▼ 0.25% · 3.875%
HK$216,681
−HK$6,641/mo
Today · 4.125%
HK$223,322
baseline
▲ 0.50% · 4.625%
HK$236,911
+HK$13,589/mo
Deposit HK$19.75M · loan HK$46.08M · min. income ≈ HK$446,644/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,797,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,784
−HK$12,630/mo
▼ 0.25% · 3.875%
HK$240,054
−HK$6,360/mo
Today · 4.125%
HK$246,414
baseline
▲ 0.50% · 4.625%
HK$259,403
+HK$12,989/mo
Deposit HK$19.75M · loan HK$46.08M · min. income ≈ HK$492,828/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,797,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,186
−HK$16,943/mo
▼ 0.25% · 3.875%
HK$278,590
−HK$8,539/mo
Today · 4.125%
HK$287,129
baseline
▲ 0.50% · 4.625%
HK$304,600
+HK$17,471/mo
Deposit HK$6.58M · loan HK$59.24M · min. income ≈ HK$574,258/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$2,797,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,579
−HK$16,239/mo
▼ 0.25% · 3.875%
HK$308,640
−HK$8,178/mo
Today · 4.125%
HK$316,818
baseline
▲ 0.50% · 4.625%
HK$333,518
+HK$16,700/mo
Deposit HK$6.58M · loan HK$59.24M · min. income ≈ HK$633,636/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$2,797,663 · Scale 2, in force from 26 Feb 2026)