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$142,692
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$147,130
−HK$4,510/mo
Today · 4.125%
HK$151,640
baseline
▲ 0.50% · 4.625%
HK$160,867
+HK$9,227/mo
Deposit HK$31.29M · loan HK$31.29M · min. income ≈ HK$303,280/mo (50% DSR)
Upfront cash ≈ HK$33.95M (deposit + AVD stamp duty HK$2,659,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,743
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$163,001
−HK$4,319/mo
Today · 4.125%
HK$167,320
baseline
▲ 0.50% · 4.625%
HK$176,139
+HK$8,819/mo
Deposit HK$31.29M · loan HK$31.29M · min. income ≈ HK$334,640/mo (50% DSR)
Upfront cash ≈ HK$33.95M (deposit + AVD stamp duty HK$2,659,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,230
−HK$10,738/mo
▼ 0.25% · 3.875%
HK$176,556
−HK$5,412/mo
Today · 4.125%
HK$181,968
baseline
▲ 0.50% · 4.625%
HK$193,040
+HK$11,072/mo
Deposit HK$25.03M · loan HK$37.55M · min. income ≈ HK$363,936/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$2,659,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,492
−HK$10,292/mo
▼ 0.25% · 3.875%
HK$195,601
−HK$5,183/mo
Today · 4.125%
HK$200,784
baseline
▲ 0.50% · 4.625%
HK$211,367
+HK$10,583/mo
Deposit HK$25.03M · loan HK$37.55M · min. income ≈ HK$401,568/mo (50% DSR)
Upfront cash ≈ HK$27.69M (deposit + AVD stamp duty HK$2,659,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,769
−HK$12,527/mo
▼ 0.25% · 3.875%
HK$205,982
−HK$6,314/mo
Today · 4.125%
HK$212,296
baseline
▲ 0.50% · 4.625%
HK$225,213
+HK$12,917/mo
Deposit HK$18.77M · loan HK$43.80M · min. income ≈ HK$424,592/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,659,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,240
−HK$12,007/mo
▼ 0.25% · 3.875%
HK$228,201
−HK$6,046/mo
Today · 4.125%
HK$234,247
baseline
▲ 0.50% · 4.625%
HK$246,595
+HK$12,348/mo
Deposit HK$18.77M · loan HK$43.80M · min. income ≈ HK$468,494/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$2,659,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,845
−HK$16,107/mo
▼ 0.25% · 3.875%
HK$264,835
−HK$8,117/mo
Today · 4.125%
HK$272,952
baseline
▲ 0.50% · 4.625%
HK$289,560
+HK$16,608/mo
Deposit HK$6.26M · loan HK$56.32M · min. income ≈ HK$545,904/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,659,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,738
−HK$15,437/mo
▼ 0.25% · 3.875%
HK$293,401
−HK$7,774/mo
Today · 4.125%
HK$301,175
baseline
▲ 0.50% · 4.625%
HK$317,051
+HK$15,876/mo
Deposit HK$6.26M · loan HK$56.32M · min. income ≈ HK$602,350/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,659,527 · Scale 2, in force from 26 Feb 2026)