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$148,289
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,902
−HK$4,686/mo
Today · 4.125%
HK$157,588
baseline
▲ 0.50% · 4.625%
HK$167,177
+HK$9,589/mo
Deposit HK$32.52M · loan HK$32.52M · min. income ≈ HK$315,176/mo (50% DSR)
Upfront cash ≈ HK$35.28M (deposit + AVD stamp duty HK$2,763,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,970
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$169,394
−HK$4,489/mo
Today · 4.125%
HK$173,883
baseline
▲ 0.50% · 4.625%
HK$183,048
+HK$9,165/mo
Deposit HK$32.52M · loan HK$32.52M · min. income ≈ HK$347,766/mo (50% DSR)
Upfront cash ≈ HK$35.28M (deposit + AVD stamp duty HK$2,763,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,947
−HK$11,159/mo
▼ 0.25% · 3.875%
HK$183,482
−HK$5,624/mo
Today · 4.125%
HK$189,106
baseline
▲ 0.50% · 4.625%
HK$200,612
+HK$11,506/mo
Deposit HK$26.01M · loan HK$39.02M · min. income ≈ HK$378,212/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,763,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,964
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$203,273
−HK$5,386/mo
Today · 4.125%
HK$208,659
baseline
▲ 0.50% · 4.625%
HK$219,658
+HK$10,999/mo
Deposit HK$26.01M · loan HK$39.02M · min. income ≈ HK$417,318/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,763,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,605
−HK$13,018/mo
▼ 0.25% · 3.875%
HK$214,062
−HK$6,561/mo
Today · 4.125%
HK$220,623
baseline
▲ 0.50% · 4.625%
HK$234,048
+HK$13,425/mo
Deposit HK$19.51M · loan HK$45.52M · min. income ≈ HK$441,246/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,763,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,958
−HK$12,478/mo
▼ 0.25% · 3.875%
HK$237,152
−HK$6,284/mo
Today · 4.125%
HK$243,436
baseline
▲ 0.50% · 4.625%
HK$256,268
+HK$12,832/mo
Deposit HK$19.51M · loan HK$45.52M · min. income ≈ HK$486,872/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,763,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,920
−HK$16,738/mo
▼ 0.25% · 3.875%
HK$275,223
−HK$8,435/mo
Today · 4.125%
HK$283,658
baseline
▲ 0.50% · 4.625%
HK$300,918
+HK$17,260/mo
Deposit HK$6.50M · loan HK$58.53M · min. income ≈ HK$567,316/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$2,763,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,946
−HK$16,043/mo
▼ 0.25% · 3.875%
HK$304,910
−HK$8,079/mo
Today · 4.125%
HK$312,989
baseline
▲ 0.50% · 4.625%
HK$329,487
+HK$16,498/mo
Deposit HK$6.50M · loan HK$58.53M · min. income ≈ HK$625,978/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$2,763,849 · Scale 2, in force from 26 Feb 2026)