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$146,006
−HK$9,156/mo
▼ 0.25% · 3.875%
HK$150,548
−HK$4,614/mo
Today · 4.125%
HK$155,162
baseline
▲ 0.50% · 4.625%
HK$164,603
+HK$9,441/mo
Deposit HK$32.02M · loan HK$32.02M · min. income ≈ HK$310,324/mo (50% DSR)
Upfront cash ≈ HK$34.74M (deposit + AVD stamp duty HK$2,721,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,430
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$166,786
−HK$4,420/mo
Today · 4.125%
HK$171,206
baseline
▲ 0.50% · 4.625%
HK$180,230
+HK$9,024/mo
Deposit HK$32.02M · loan HK$32.02M · min. income ≈ HK$342,412/mo (50% DSR)
Upfront cash ≈ HK$34.74M (deposit + AVD stamp duty HK$2,721,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,207
−HK$10,987/mo
▼ 0.25% · 3.875%
HK$180,657
−HK$5,537/mo
Today · 4.125%
HK$186,194
baseline
▲ 0.50% · 4.625%
HK$197,524
+HK$11,330/mo
Deposit HK$25.61M · loan HK$38.42M · min. income ≈ HK$372,388/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,721,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,916
−HK$10,531/mo
▼ 0.25% · 3.875%
HK$200,144
−HK$5,303/mo
Today · 4.125%
HK$205,447
baseline
▲ 0.50% · 4.625%
HK$216,276
+HK$10,829/mo
Deposit HK$25.61M · loan HK$38.42M · min. income ≈ HK$410,894/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,721,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,408
−HK$12,819/mo
▼ 0.25% · 3.875%
HK$210,767
−HK$6,460/mo
Today · 4.125%
HK$217,227
baseline
▲ 0.50% · 4.625%
HK$230,444
+HK$13,217/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$434,454/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,721,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,402
−HK$12,286/mo
▼ 0.25% · 3.875%
HK$233,501
−HK$6,187/mo
Today · 4.125%
HK$239,688
baseline
▲ 0.50% · 4.625%
HK$252,322
+HK$12,634/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$479,376/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,721,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,811
−HK$16,480/mo
▼ 0.25% · 3.875%
HK$270,986
−HK$8,305/mo
Today · 4.125%
HK$279,291
baseline
▲ 0.50% · 4.625%
HK$296,286
+HK$16,995/mo
Deposit HK$6.40M · loan HK$57.63M · min. income ≈ HK$558,582/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,721,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,374
−HK$15,796/mo
▼ 0.25% · 3.875%
HK$300,216
−HK$7,954/mo
Today · 4.125%
HK$308,170
baseline
▲ 0.50% · 4.625%
HK$324,414
+HK$16,244/mo
Deposit HK$6.40M · loan HK$57.63M · min. income ≈ HK$616,340/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,721,297 · Scale 2, in force from 26 Feb 2026)