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$144,204
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$148,690
−HK$4,557/mo
Today · 4.125%
HK$153,247
baseline
▲ 0.50% · 4.625%
HK$162,572
+HK$9,325/mo
Deposit HK$31.62M · loan HK$31.62M · min. income ≈ HK$306,494/mo (50% DSR)
Upfront cash ≈ HK$34.31M (deposit + AVD stamp duty HK$2,687,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,426
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$164,728
−HK$4,365/mo
Today · 4.125%
HK$169,093
baseline
▲ 0.50% · 4.625%
HK$178,006
+HK$8,913/mo
Deposit HK$31.62M · loan HK$31.62M · min. income ≈ HK$338,186/mo (50% DSR)
Upfront cash ≈ HK$34.31M (deposit + AVD stamp duty HK$2,687,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,045
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$178,428
−HK$5,469/mo
Today · 4.125%
HK$183,897
baseline
▲ 0.50% · 4.625%
HK$195,086
+HK$11,189/mo
Deposit HK$25.30M · loan HK$37.94M · min. income ≈ HK$367,794/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$2,687,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,511
−HK$10,401/mo
▼ 0.25% · 3.875%
HK$197,674
−HK$5,238/mo
Today · 4.125%
HK$202,912
baseline
▲ 0.50% · 4.625%
HK$213,608
+HK$10,696/mo
Deposit HK$25.30M · loan HK$37.94M · min. income ≈ HK$405,824/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$2,687,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,886
−HK$12,660/mo
▼ 0.25% · 3.875%
HK$208,166
−HK$6,380/mo
Today · 4.125%
HK$214,546
baseline
▲ 0.50% · 4.625%
HK$227,601
+HK$13,055/mo
Deposit HK$18.97M · loan HK$44.27M · min. income ≈ HK$429,092/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,687,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,596
−HK$12,134/mo
▼ 0.25% · 3.875%
HK$230,620
−HK$6,110/mo
Today · 4.125%
HK$236,730
baseline
▲ 0.50% · 4.625%
HK$249,209
+HK$12,479/mo
Deposit HK$18.97M · loan HK$44.27M · min. income ≈ HK$473,460/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,687,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,568
−HK$16,277/mo
▼ 0.25% · 3.875%
HK$267,642
−HK$8,203/mo
Today · 4.125%
HK$275,845
baseline
▲ 0.50% · 4.625%
HK$292,629
+HK$16,784/mo
Deposit HK$6.32M · loan HK$56.92M · min. income ≈ HK$551,690/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$2,687,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,767
−HK$15,601/mo
▼ 0.25% · 3.875%
HK$296,511
−HK$7,857/mo
Today · 4.125%
HK$304,368
baseline
▲ 0.50% · 4.625%
HK$320,411
+HK$16,043/mo
Deposit HK$6.32M · loan HK$56.92M · min. income ≈ HK$608,736/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$2,687,717 · Scale 2, in force from 26 Feb 2026)