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$141,892
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$146,305
−HK$4,485/mo
Today · 4.125%
HK$150,790
baseline
▲ 0.50% · 4.625%
HK$159,965
+HK$9,175/mo
Deposit HK$31.11M · loan HK$31.11M · min. income ≈ HK$301,580/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$2,644,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,853
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$162,087
−HK$4,294/mo
Today · 4.125%
HK$166,381
baseline
▲ 0.50% · 4.625%
HK$175,152
+HK$8,771/mo
Deposit HK$31.11M · loan HK$31.11M · min. income ≈ HK$332,762/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$2,644,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,270
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$175,566
−HK$5,381/mo
Today · 4.125%
HK$180,947
baseline
▲ 0.50% · 4.625%
HK$191,958
+HK$11,011/mo
Deposit HK$24.89M · loan HK$37.34M · min. income ≈ HK$361,894/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,644,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,424
−HK$10,234/mo
▼ 0.25% · 3.875%
HK$194,504
−HK$5,154/mo
Today · 4.125%
HK$199,658
baseline
▲ 0.50% · 4.625%
HK$210,182
+HK$10,524/mo
Deposit HK$24.89M · loan HK$37.34M · min. income ≈ HK$399,316/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,644,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,648
−HK$12,457/mo
▼ 0.25% · 3.875%
HK$204,827
−HK$6,278/mo
Today · 4.125%
HK$211,105
baseline
▲ 0.50% · 4.625%
HK$223,951
+HK$12,846/mo
Deposit HK$18.67M · loan HK$43.56M · min. income ≈ HK$422,210/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,644,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,994
−HK$11,940/mo
▼ 0.25% · 3.875%
HK$226,921
−HK$6,013/mo
Today · 4.125%
HK$232,934
baseline
▲ 0.50% · 4.625%
HK$245,212
+HK$12,278/mo
Deposit HK$18.67M · loan HK$43.56M · min. income ≈ HK$465,868/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,644,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,405
−HK$16,016/mo
▼ 0.25% · 3.875%
HK$263,350
−HK$8,071/mo
Today · 4.125%
HK$271,421
baseline
▲ 0.50% · 4.625%
HK$287,937
+HK$16,516/mo
Deposit HK$6.22M · loan HK$56.00M · min. income ≈ HK$542,842/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,644,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,136
−HK$15,351/mo
▼ 0.25% · 3.875%
HK$291,756
−HK$7,731/mo
Today · 4.125%
HK$299,487
baseline
▲ 0.50% · 4.625%
HK$315,273
+HK$15,786/mo
Deposit HK$6.22M · loan HK$56.00M · min. income ≈ HK$598,974/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,644,614 · Scale 2, in force from 26 Feb 2026)