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$142,175
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$146,597
−HK$4,494/mo
Today · 4.125%
HK$151,091
baseline
▲ 0.50% · 4.625%
HK$160,284
+HK$9,193/mo
Deposit HK$31.18M · loan HK$31.18M · min. income ≈ HK$302,182/mo (50% DSR)
Upfront cash ≈ HK$33.83M (deposit + AVD stamp duty HK$2,649,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,168
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$162,410
−HK$4,304/mo
Today · 4.125%
HK$166,714
baseline
▲ 0.50% · 4.625%
HK$175,501
+HK$8,787/mo
Deposit HK$31.18M · loan HK$31.18M · min. income ≈ HK$333,428/mo (50% DSR)
Upfront cash ≈ HK$33.83M (deposit + AVD stamp duty HK$2,649,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,610
−HK$10,699/mo
▼ 0.25% · 3.875%
HK$175,917
−HK$5,392/mo
Today · 4.125%
HK$181,309
baseline
▲ 0.50% · 4.625%
HK$192,341
+HK$11,032/mo
Deposit HK$24.94M · loan HK$37.41M · min. income ≈ HK$362,618/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,649,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,802
−HK$10,254/mo
▼ 0.25% · 3.875%
HK$194,892
−HK$5,164/mo
Today · 4.125%
HK$200,056
baseline
▲ 0.50% · 4.625%
HK$210,601
+HK$10,545/mo
Deposit HK$24.94M · loan HK$37.41M · min. income ≈ HK$400,112/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,649,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,045
−HK$12,482/mo
▼ 0.25% · 3.875%
HK$205,236
−HK$6,291/mo
Today · 4.125%
HK$211,527
baseline
▲ 0.50% · 4.625%
HK$224,398
+HK$12,871/mo
Deposit HK$18.71M · loan HK$43.65M · min. income ≈ HK$423,054/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,649,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,435
−HK$11,964/mo
▼ 0.25% · 3.875%
HK$227,374
−HK$6,025/mo
Today · 4.125%
HK$233,399
baseline
▲ 0.50% · 4.625%
HK$245,702
+HK$12,303/mo
Deposit HK$18.71M · loan HK$43.65M · min. income ≈ HK$466,798/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,649,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,915
−HK$16,048/mo
▼ 0.25% · 3.875%
HK$263,875
−HK$8,088/mo
Today · 4.125%
HK$271,963
baseline
▲ 0.50% · 4.625%
HK$288,511
+HK$16,548/mo
Deposit HK$6.24M · loan HK$56.12M · min. income ≈ HK$543,926/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,649,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,703
−HK$15,381/mo
▼ 0.25% · 3.875%
HK$292,338
−HK$7,746/mo
Today · 4.125%
HK$300,084
baseline
▲ 0.50% · 4.625%
HK$315,902
+HK$15,818/mo
Deposit HK$6.24M · loan HK$56.12M · min. income ≈ HK$600,168/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,649,893 · Scale 2, in force from 26 Feb 2026)