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$144,672
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$149,173
−HK$4,572/mo
Today · 4.125%
HK$153,745
baseline
▲ 0.50% · 4.625%
HK$163,100
+HK$9,355/mo
Deposit HK$31.72M · loan HK$31.72M · min. income ≈ HK$307,490/mo (50% DSR)
Upfront cash ≈ HK$34.42M (deposit + AVD stamp duty HK$2,696,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,947
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$165,263
−HK$4,379/mo
Today · 4.125%
HK$169,642
baseline
▲ 0.50% · 4.625%
HK$178,584
+HK$8,942/mo
Deposit HK$31.72M · loan HK$31.72M · min. income ≈ HK$339,284/mo (50% DSR)
Upfront cash ≈ HK$34.42M (deposit + AVD stamp duty HK$2,696,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,607
−HK$10,887/mo
▼ 0.25% · 3.875%
HK$179,007
−HK$5,487/mo
Today · 4.125%
HK$184,494
baseline
▲ 0.50% · 4.625%
HK$195,720
+HK$11,226/mo
Deposit HK$25.38M · loan HK$38.07M · min. income ≈ HK$368,988/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,696,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,136
−HK$10,435/mo
▼ 0.25% · 3.875%
HK$198,316
−HK$5,255/mo
Today · 4.125%
HK$203,571
baseline
▲ 0.50% · 4.625%
HK$214,301
+HK$10,730/mo
Deposit HK$25.38M · loan HK$38.07M · min. income ≈ HK$407,142/mo (50% DSR)
Upfront cash ≈ HK$28.07M (deposit + AVD stamp duty HK$2,696,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,541
−HK$12,702/mo
▼ 0.25% · 3.875%
HK$208,842
−HK$6,401/mo
Today · 4.125%
HK$215,243
baseline
▲ 0.50% · 4.625%
HK$228,340
+HK$13,097/mo
Deposit HK$19.03M · loan HK$44.41M · min. income ≈ HK$430,486/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,696,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,325
−HK$12,174/mo
▼ 0.25% · 3.875%
HK$231,368
−HK$6,131/mo
Today · 4.125%
HK$237,499
baseline
▲ 0.50% · 4.625%
HK$250,018
+HK$12,519/mo
Deposit HK$19.03M · loan HK$44.41M · min. income ≈ HK$474,998/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,696,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,410
−HK$16,331/mo
▼ 0.25% · 3.875%
HK$268,511
−HK$8,230/mo
Today · 4.125%
HK$276,741
baseline
▲ 0.50% · 4.625%
HK$293,580
+HK$16,839/mo
Deposit HK$6.34M · loan HK$57.10M · min. income ≈ HK$553,482/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,696,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,704
−HK$15,652/mo
▼ 0.25% · 3.875%
HK$297,474
−HK$7,882/mo
Today · 4.125%
HK$305,356
baseline
▲ 0.50% · 4.625%
HK$321,452
+HK$16,096/mo
Deposit HK$6.34M · loan HK$57.10M · min. income ≈ HK$610,712/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,696,443 · Scale 2, in force from 26 Feb 2026)