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$145,750
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$150,284
−HK$4,606/mo
Today · 4.125%
HK$154,890
baseline
▲ 0.50% · 4.625%
HK$164,314
+HK$9,424/mo
Deposit HK$31.96M · loan HK$31.96M · min. income ≈ HK$309,780/mo (50% DSR)
Upfront cash ≈ HK$34.68M (deposit + AVD stamp duty HK$2,716,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,145
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,494
−HK$4,412/mo
Today · 4.125%
HK$170,906
baseline
▲ 0.50% · 4.625%
HK$179,914
+HK$9,008/mo
Deposit HK$31.96M · loan HK$31.96M · min. income ≈ HK$341,812/mo (50% DSR)
Upfront cash ≈ HK$34.68M (deposit + AVD stamp duty HK$2,716,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,900
−HK$10,968/mo
▼ 0.25% · 3.875%
HK$180,340
−HK$5,528/mo
Today · 4.125%
HK$185,868
baseline
▲ 0.50% · 4.625%
HK$197,177
+HK$11,309/mo
Deposit HK$25.57M · loan HK$38.35M · min. income ≈ HK$371,736/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$2,716,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,574
−HK$10,513/mo
▼ 0.25% · 3.875%
HK$199,793
−HK$5,294/mo
Today · 4.125%
HK$205,087
baseline
▲ 0.50% · 4.625%
HK$215,897
+HK$10,810/mo
Deposit HK$25.57M · loan HK$38.35M · min. income ≈ HK$410,174/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$2,716,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,050
−HK$12,796/mo
▼ 0.25% · 3.875%
HK$210,397
−HK$6,449/mo
Today · 4.125%
HK$216,846
baseline
▲ 0.50% · 4.625%
HK$230,040
+HK$13,194/mo
Deposit HK$19.18M · loan HK$44.74M · min. income ≈ HK$433,692/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,716,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,004
−HK$12,264/mo
▼ 0.25% · 3.875%
HK$233,092
−HK$6,176/mo
Today · 4.125%
HK$239,268
baseline
▲ 0.50% · 4.625%
HK$251,880
+HK$12,612/mo
Deposit HK$19.18M · loan HK$44.74M · min. income ≈ HK$478,536/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$2,716,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,350
−HK$16,452/mo
▼ 0.25% · 3.875%
HK$270,511
−HK$8,291/mo
Today · 4.125%
HK$278,802
baseline
▲ 0.50% · 4.625%
HK$295,766
+HK$16,964/mo
Deposit HK$6.39M · loan HK$57.53M · min. income ≈ HK$557,604/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,716,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,862
−HK$15,768/mo
▼ 0.25% · 3.875%
HK$299,689
−HK$7,941/mo
Today · 4.125%
HK$307,630
baseline
▲ 0.50% · 4.625%
HK$323,846
+HK$16,216/mo
Deposit HK$6.39M · loan HK$57.53M · min. income ≈ HK$615,260/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,716,525 · Scale 2, in force from 26 Feb 2026)