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$146,567
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$151,126
−HK$4,632/mo
Today · 4.125%
HK$155,758
baseline
▲ 0.50% · 4.625%
HK$165,236
+HK$9,478/mo
Deposit HK$32.14M · loan HK$32.14M · min. income ≈ HK$311,516/mo (50% DSR)
Upfront cash ≈ HK$34.87M (deposit + AVD stamp duty HK$2,731,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,055
−HK$8,809/mo
▼ 0.25% · 3.875%
HK$167,428
−HK$4,436/mo
Today · 4.125%
HK$171,864
baseline
▲ 0.50% · 4.625%
HK$180,923
+HK$9,059/mo
Deposit HK$32.14M · loan HK$32.14M · min. income ≈ HK$343,728/mo (50% DSR)
Upfront cash ≈ HK$34.87M (deposit + AVD stamp duty HK$2,731,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,881
−HK$11,029/mo
▼ 0.25% · 3.875%
HK$181,352
−HK$5,558/mo
Today · 4.125%
HK$186,910
baseline
▲ 0.50% · 4.625%
HK$198,283
+HK$11,373/mo
Deposit HK$25.71M · loan HK$38.57M · min. income ≈ HK$373,820/mo (50% DSR)
Upfront cash ≈ HK$28.44M (deposit + AVD stamp duty HK$2,731,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,666
−HK$10,571/mo
▼ 0.25% · 3.875%
HK$200,913
−HK$5,324/mo
Today · 4.125%
HK$206,237
baseline
▲ 0.50% · 4.625%
HK$217,108
+HK$10,871/mo
Deposit HK$25.71M · loan HK$38.57M · min. income ≈ HK$412,474/mo (50% DSR)
Upfront cash ≈ HK$28.44M (deposit + AVD stamp duty HK$2,731,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,194
−HK$12,868/mo
▼ 0.25% · 3.875%
HK$211,577
−HK$6,485/mo
Today · 4.125%
HK$218,062
baseline
▲ 0.50% · 4.625%
HK$231,330
+HK$13,268/mo
Deposit HK$19.28M · loan HK$44.99M · min. income ≈ HK$436,124/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$2,731,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,277
−HK$12,333/mo
▼ 0.25% · 3.875%
HK$234,399
−HK$6,211/mo
Today · 4.125%
HK$240,610
baseline
▲ 0.50% · 4.625%
HK$253,293
+HK$12,683/mo
Deposit HK$19.28M · loan HK$44.99M · min. income ≈ HK$481,220/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$2,731,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,821
−HK$16,544/mo
▼ 0.25% · 3.875%
HK$272,028
−HK$8,337/mo
Today · 4.125%
HK$280,365
baseline
▲ 0.50% · 4.625%
HK$297,425
+HK$17,060/mo
Deposit HK$6.43M · loan HK$57.85M · min. income ≈ HK$560,730/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$2,731,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,499
−HK$15,856/mo
▼ 0.25% · 3.875%
HK$301,370
−HK$7,985/mo
Today · 4.125%
HK$309,355
baseline
▲ 0.50% · 4.625%
HK$325,662
+HK$16,307/mo
Deposit HK$6.43M · loan HK$57.85M · min. income ≈ HK$618,710/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$2,731,761 · Scale 2, in force from 26 Feb 2026)