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$149,273
−HK$9,361/mo
▼ 0.25% · 3.875%
HK$153,917
−HK$4,717/mo
Today · 4.125%
HK$158,634
baseline
▲ 0.50% · 4.625%
HK$168,287
+HK$9,653/mo
Deposit HK$32.73M · loan HK$32.73M · min. income ≈ HK$317,268/mo (50% DSR)
Upfront cash ≈ HK$35.51M (deposit + AVD stamp duty HK$2,782,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,065
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,519
−HK$4,518/mo
Today · 4.125%
HK$175,037
baseline
▲ 0.50% · 4.625%
HK$184,264
+HK$9,227/mo
Deposit HK$32.73M · loan HK$32.73M · min. income ≈ HK$350,074/mo (50% DSR)
Upfront cash ≈ HK$35.51M (deposit + AVD stamp duty HK$2,782,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,128
−HK$11,233/mo
▼ 0.25% · 3.875%
HK$184,700
−HK$5,661/mo
Today · 4.125%
HK$190,361
baseline
▲ 0.50% · 4.625%
HK$201,944
+HK$11,583/mo
Deposit HK$26.19M · loan HK$39.28M · min. income ≈ HK$380,722/mo (50% DSR)
Upfront cash ≈ HK$28.97M (deposit + AVD stamp duty HK$2,782,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,278
−HK$10,767/mo
▼ 0.25% · 3.875%
HK$204,623
−HK$5,422/mo
Today · 4.125%
HK$210,045
baseline
▲ 0.50% · 4.625%
HK$221,116
+HK$11,071/mo
Deposit HK$26.19M · loan HK$39.28M · min. income ≈ HK$420,090/mo (50% DSR)
Upfront cash ≈ HK$28.97M (deposit + AVD stamp duty HK$2,782,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,983
−HK$13,105/mo
▼ 0.25% · 3.875%
HK$215,483
−HK$6,605/mo
Today · 4.125%
HK$222,088
baseline
▲ 0.50% · 4.625%
HK$235,601
+HK$13,513/mo
Deposit HK$19.64M · loan HK$45.82M · min. income ≈ HK$444,176/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$2,782,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,491
−HK$12,561/mo
▼ 0.25% · 3.875%
HK$238,727
−HK$6,325/mo
Today · 4.125%
HK$245,052
baseline
▲ 0.50% · 4.625%
HK$257,969
+HK$12,917/mo
Deposit HK$19.64M · loan HK$45.82M · min. income ≈ HK$490,104/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$2,782,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,692
−HK$16,850/mo
▼ 0.25% · 3.875%
HK$277,050
−HK$8,492/mo
Today · 4.125%
HK$285,542
baseline
▲ 0.50% · 4.625%
HK$302,916
+HK$17,374/mo
Deposit HK$6.55M · loan HK$58.92M · min. income ≈ HK$571,084/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$2,782,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,917
−HK$16,150/mo
▼ 0.25% · 3.875%
HK$306,934
−HK$8,133/mo
Today · 4.125%
HK$315,067
baseline
▲ 0.50% · 4.625%
HK$331,675
+HK$16,608/mo
Deposit HK$6.55M · loan HK$58.92M · min. income ≈ HK$630,134/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$2,782,196 · Scale 2, in force from 26 Feb 2026)