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$141,562
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$145,965
−HK$4,474/mo
Today · 4.125%
HK$150,439
baseline
▲ 0.50% · 4.625%
HK$159,593
+HK$9,154/mo
Deposit HK$31.04M · loan HK$31.04M · min. income ≈ HK$300,878/mo (50% DSR)
Upfront cash ≈ HK$33.68M (deposit + AVD stamp duty HK$2,638,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,486
−HK$8,509/mo
▼ 0.25% · 3.875%
HK$161,710
−HK$4,285/mo
Today · 4.125%
HK$165,995
baseline
▲ 0.50% · 4.625%
HK$174,744
+HK$8,749/mo
Deposit HK$31.04M · loan HK$31.04M · min. income ≈ HK$331,990/mo (50% DSR)
Upfront cash ≈ HK$33.68M (deposit + AVD stamp duty HK$2,638,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,874
−HK$10,653/mo
▼ 0.25% · 3.875%
HK$175,158
−HK$5,369/mo
Today · 4.125%
HK$180,527
baseline
▲ 0.50% · 4.625%
HK$191,511
+HK$10,984/mo
Deposit HK$24.83M · loan HK$37.25M · min. income ≈ HK$361,054/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,638,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,983
−HK$10,211/mo
▼ 0.25% · 3.875%
HK$194,052
−HK$5,142/mo
Today · 4.125%
HK$199,194
baseline
▲ 0.50% · 4.625%
HK$209,693
+HK$10,499/mo
Deposit HK$24.83M · loan HK$37.25M · min. income ≈ HK$398,388/mo (50% DSR)
Upfront cash ≈ HK$27.47M (deposit + AVD stamp duty HK$2,638,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,187
−HK$12,428/mo
▼ 0.25% · 3.875%
HK$204,351
−HK$6,264/mo
Today · 4.125%
HK$210,615
baseline
▲ 0.50% · 4.625%
HK$223,430
+HK$12,815/mo
Deposit HK$18.62M · loan HK$43.46M · min. income ≈ HK$421,230/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,638,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,481
−HK$11,912/mo
▼ 0.25% · 3.875%
HK$226,394
−HK$5,999/mo
Today · 4.125%
HK$232,393
baseline
▲ 0.50% · 4.625%
HK$244,642
+HK$12,249/mo
Deposit HK$18.62M · loan HK$43.46M · min. income ≈ HK$464,786/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,638,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,811
−HK$15,979/mo
▼ 0.25% · 3.875%
HK$262,737
−HK$8,053/mo
Today · 4.125%
HK$270,790
baseline
▲ 0.50% · 4.625%
HK$287,267
+HK$16,477/mo
Deposit HK$6.21M · loan HK$55.87M · min. income ≈ HK$541,580/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,638,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,475
−HK$15,315/mo
▼ 0.25% · 3.875%
HK$291,078
−HK$7,712/mo
Today · 4.125%
HK$298,790
baseline
▲ 0.50% · 4.625%
HK$314,540
+HK$15,750/mo
Deposit HK$6.21M · loan HK$55.87M · min. income ≈ HK$597,580/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,638,467 · Scale 2, in force from 26 Feb 2026)