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$144,627
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$149,126
−HK$4,570/mo
Today · 4.125%
HK$153,696
baseline
▲ 0.50% · 4.625%
HK$163,048
+HK$9,352/mo
Deposit HK$31.71M · loan HK$31.71M · min. income ≈ HK$307,392/mo (50% DSR)
Upfront cash ≈ HK$34.41M (deposit + AVD stamp duty HK$2,695,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,896
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$165,211
−HK$4,378/mo
Today · 4.125%
HK$169,589
baseline
▲ 0.50% · 4.625%
HK$178,528
+HK$8,939/mo
Deposit HK$31.71M · loan HK$31.71M · min. income ≈ HK$339,178/mo (50% DSR)
Upfront cash ≈ HK$34.41M (deposit + AVD stamp duty HK$2,695,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,552
−HK$10,883/mo
▼ 0.25% · 3.875%
HK$178,951
−HK$5,484/mo
Today · 4.125%
HK$184,435
baseline
▲ 0.50% · 4.625%
HK$195,658
+HK$11,223/mo
Deposit HK$25.37M · loan HK$38.06M · min. income ≈ HK$368,870/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,695,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,075
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$198,253
−HK$5,253/mo
Today · 4.125%
HK$203,506
baseline
▲ 0.50% · 4.625%
HK$214,233
+HK$10,727/mo
Deposit HK$25.37M · loan HK$38.06M · min. income ≈ HK$407,012/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,695,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,478
−HK$12,697/mo
▼ 0.25% · 3.875%
HK$208,776
−HK$6,399/mo
Today · 4.125%
HK$215,175
baseline
▲ 0.50% · 4.625%
HK$228,268
+HK$13,093/mo
Deposit HK$19.03M · loan HK$44.40M · min. income ≈ HK$430,350/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,695,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,254
−HK$12,170/mo
▼ 0.25% · 3.875%
HK$231,295
−HK$6,129/mo
Today · 4.125%
HK$237,424
baseline
▲ 0.50% · 4.625%
HK$249,939
+HK$12,515/mo
Deposit HK$19.03M · loan HK$44.40M · min. income ≈ HK$474,848/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,695,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,328
−HK$16,325/mo
▼ 0.25% · 3.875%
HK$268,426
−HK$8,227/mo
Today · 4.125%
HK$276,653
baseline
▲ 0.50% · 4.625%
HK$293,487
+HK$16,834/mo
Deposit HK$6.34M · loan HK$57.08M · min. income ≈ HK$553,306/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,695,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,613
−HK$15,646/mo
▼ 0.25% · 3.875%
HK$297,380
−HK$7,879/mo
Today · 4.125%
HK$305,259
baseline
▲ 0.50% · 4.625%
HK$321,350
+HK$16,091/mo
Deposit HK$6.34M · loan HK$57.08M · min. income ≈ HK$610,518/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,695,592 · Scale 2, in force from 26 Feb 2026)