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$142,014
−HK$8,905/mo
▼ 0.25% · 3.875%
HK$146,431
−HK$4,488/mo
Today · 4.125%
HK$150,919
baseline
▲ 0.50% · 4.625%
HK$160,102
+HK$9,183/mo
Deposit HK$31.14M · loan HK$31.14M · min. income ≈ HK$301,838/mo (50% DSR)
Upfront cash ≈ HK$33.79M (deposit + AVD stamp duty HK$2,646,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,989
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$162,226
−HK$4,298/mo
Today · 4.125%
HK$166,524
baseline
▲ 0.50% · 4.625%
HK$175,302
+HK$8,778/mo
Deposit HK$31.14M · loan HK$31.14M · min. income ≈ HK$333,048/mo (50% DSR)
Upfront cash ≈ HK$33.79M (deposit + AVD stamp duty HK$2,646,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,416
−HK$10,687/mo
▼ 0.25% · 3.875%
HK$175,717
−HK$5,386/mo
Today · 4.125%
HK$181,103
baseline
▲ 0.50% · 4.625%
HK$192,123
+HK$11,020/mo
Deposit HK$24.91M · loan HK$37.37M · min. income ≈ HK$362,206/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,646,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,586
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$194,671
−HK$5,158/mo
Today · 4.125%
HK$199,829
baseline
▲ 0.50% · 4.625%
HK$210,362
+HK$10,533/mo
Deposit HK$24.91M · loan HK$37.37M · min. income ≈ HK$399,658/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,646,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,819
−HK$12,468/mo
▼ 0.25% · 3.875%
HK$205,003
−HK$6,284/mo
Today · 4.125%
HK$211,287
baseline
▲ 0.50% · 4.625%
HK$224,143
+HK$12,856/mo
Deposit HK$18.68M · loan HK$43.60M · min. income ≈ HK$422,574/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,646,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,184
−HK$11,950/mo
▼ 0.25% · 3.875%
HK$227,116
−HK$6,018/mo
Today · 4.125%
HK$233,134
baseline
▲ 0.50% · 4.625%
HK$245,423
+HK$12,289/mo
Deposit HK$18.68M · loan HK$43.60M · min. income ≈ HK$466,268/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,646,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,624
−HK$16,030/mo
▼ 0.25% · 3.875%
HK$263,576
−HK$8,078/mo
Today · 4.125%
HK$271,654
baseline
▲ 0.50% · 4.625%
HK$288,184
+HK$16,530/mo
Deposit HK$6.23M · loan HK$56.05M · min. income ≈ HK$543,308/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,646,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,380
−HK$15,364/mo
▼ 0.25% · 3.875%
HK$292,007
−HK$7,737/mo
Today · 4.125%
HK$299,744
baseline
▲ 0.50% · 4.625%
HK$315,544
+HK$15,800/mo
Deposit HK$6.23M · loan HK$56.05M · min. income ≈ HK$599,488/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,646,886 · Scale 2, in force from 26 Feb 2026)