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$147,006
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,579
−HK$4,646/mo
Today · 4.125%
HK$156,225
baseline
▲ 0.50% · 4.625%
HK$165,731
+HK$9,506/mo
Deposit HK$32.23M · loan HK$32.23M · min. income ≈ HK$312,450/mo (50% DSR)
Upfront cash ≈ HK$34.97M (deposit + AVD stamp duty HK$2,739,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,543
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$167,929
−HK$4,450/mo
Today · 4.125%
HK$172,379
baseline
▲ 0.50% · 4.625%
HK$181,465
+HK$9,086/mo
Deposit HK$32.23M · loan HK$32.23M · min. income ≈ HK$344,758/mo (50% DSR)
Upfront cash ≈ HK$34.97M (deposit + AVD stamp duty HK$2,739,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,408
−HK$11,062/mo
▼ 0.25% · 3.875%
HK$181,895
−HK$5,575/mo
Today · 4.125%
HK$187,470
baseline
▲ 0.50% · 4.625%
HK$198,877
+HK$11,407/mo
Deposit HK$25.79M · loan HK$38.68M · min. income ≈ HK$374,940/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,739,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,252
−HK$10,603/mo
▼ 0.25% · 3.875%
HK$201,515
−HK$5,340/mo
Today · 4.125%
HK$206,855
baseline
▲ 0.50% · 4.625%
HK$217,758
+HK$10,903/mo
Deposit HK$25.79M · loan HK$38.68M · min. income ≈ HK$413,710/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,739,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,809
−HK$12,906/mo
▼ 0.25% · 3.875%
HK$212,211
−HK$6,504/mo
Today · 4.125%
HK$218,715
baseline
▲ 0.50% · 4.625%
HK$232,023
+HK$13,308/mo
Deposit HK$19.34M · loan HK$45.13M · min. income ≈ HK$437,430/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$2,739,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,960
−HK$12,370/mo
▼ 0.25% · 3.875%
HK$235,101
−HK$6,229/mo
Today · 4.125%
HK$241,330
baseline
▲ 0.50% · 4.625%
HK$254,051
+HK$12,721/mo
Deposit HK$19.34M · loan HK$45.13M · min. income ≈ HK$482,660/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$2,739,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,612
−HK$16,593/mo
▼ 0.25% · 3.875%
HK$272,842
−HK$8,363/mo
Today · 4.125%
HK$281,205
baseline
▲ 0.50% · 4.625%
HK$298,316
+HK$17,111/mo
Deposit HK$6.45M · loan HK$58.02M · min. income ≈ HK$562,410/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$2,739,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,378
−HK$15,904/mo
▼ 0.25% · 3.875%
HK$302,273
−HK$8,009/mo
Today · 4.125%
HK$310,282
baseline
▲ 0.50% · 4.625%
HK$326,637
+HK$16,355/mo
Deposit HK$6.45M · loan HK$58.02M · min. income ≈ HK$620,564/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$2,739,943 · Scale 2, in force from 26 Feb 2026)