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$146,490
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$151,046
−HK$4,630/mo
Today · 4.125%
HK$155,676
baseline
▲ 0.50% · 4.625%
HK$165,148
+HK$9,472/mo
Deposit HK$32.12M · loan HK$32.12M · min. income ≈ HK$311,352/mo (50% DSR)
Upfront cash ≈ HK$34.85M (deposit + AVD stamp duty HK$2,730,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,968
−HK$8,805/mo
▼ 0.25% · 3.875%
HK$167,339
−HK$4,434/mo
Today · 4.125%
HK$171,773
baseline
▲ 0.50% · 4.625%
HK$180,827
+HK$9,054/mo
Deposit HK$32.12M · loan HK$32.12M · min. income ≈ HK$343,546/mo (50% DSR)
Upfront cash ≈ HK$34.85M (deposit + AVD stamp duty HK$2,730,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,788
−HK$11,023/mo
▼ 0.25% · 3.875%
HK$181,256
−HK$5,555/mo
Today · 4.125%
HK$186,811
baseline
▲ 0.50% · 4.625%
HK$198,178
+HK$11,367/mo
Deposit HK$25.70M · loan HK$38.55M · min. income ≈ HK$373,622/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,730,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,562
−HK$10,566/mo
▼ 0.25% · 3.875%
HK$200,807
−HK$5,321/mo
Today · 4.125%
HK$206,128
baseline
▲ 0.50% · 4.625%
HK$216,993
+HK$10,865/mo
Deposit HK$25.70M · loan HK$38.55M · min. income ≈ HK$412,256/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,730,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,086
−HK$12,860/mo
▼ 0.25% · 3.875%
HK$211,465
−HK$6,481/mo
Today · 4.125%
HK$217,946
baseline
▲ 0.50% · 4.625%
HK$231,208
+HK$13,262/mo
Deposit HK$19.27M · loan HK$44.97M · min. income ≈ HK$435,892/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$2,730,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,156
−HK$12,326/mo
▼ 0.25% · 3.875%
HK$234,275
−HK$6,207/mo
Today · 4.125%
HK$240,482
baseline
▲ 0.50% · 4.625%
HK$253,158
+HK$12,676/mo
Deposit HK$19.27M · loan HK$44.97M · min. income ≈ HK$480,964/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$2,730,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,682
−HK$16,535/mo
▼ 0.25% · 3.875%
HK$271,884
−HK$8,333/mo
Today · 4.125%
HK$280,217
baseline
▲ 0.50% · 4.625%
HK$297,267
+HK$17,050/mo
Deposit HK$6.42M · loan HK$57.82M · min. income ≈ HK$560,434/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$2,730,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,343
−HK$15,848/mo
▼ 0.25% · 3.875%
HK$301,210
−HK$7,981/mo
Today · 4.125%
HK$309,191
baseline
▲ 0.50% · 4.625%
HK$325,489
+HK$16,298/mo
Deposit HK$6.42M · loan HK$57.82M · min. income ≈ HK$618,382/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$2,730,314 · Scale 2, in force from 26 Feb 2026)