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$149,003
−HK$9,344/mo
▼ 0.25% · 3.875%
HK$153,638
−HK$4,709/mo
Today · 4.125%
HK$158,347
baseline
▲ 0.50% · 4.625%
HK$167,982
+HK$9,635/mo
Deposit HK$32.67M · loan HK$32.67M · min. income ≈ HK$316,694/mo (50% DSR)
Upfront cash ≈ HK$35.45M (deposit + AVD stamp duty HK$2,777,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,765
−HK$8,955/mo
▼ 0.25% · 3.875%
HK$170,210
−HK$4,510/mo
Today · 4.125%
HK$174,720
baseline
▲ 0.50% · 4.625%
HK$183,930
+HK$9,210/mo
Deposit HK$32.67M · loan HK$32.67M · min. income ≈ HK$349,440/mo (50% DSR)
Upfront cash ≈ HK$35.45M (deposit + AVD stamp duty HK$2,777,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,804
−HK$11,213/mo
▼ 0.25% · 3.875%
HK$184,366
−HK$5,651/mo
Today · 4.125%
HK$190,017
baseline
▲ 0.50% · 4.625%
HK$201,579
+HK$11,562/mo
Deposit HK$26.14M · loan HK$39.21M · min. income ≈ HK$380,034/mo (50% DSR)
Upfront cash ≈ HK$28.92M (deposit + AVD stamp duty HK$2,777,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,918
−HK$10,747/mo
▼ 0.25% · 3.875%
HK$204,253
−HK$5,412/mo
Today · 4.125%
HK$209,665
baseline
▲ 0.50% · 4.625%
HK$220,716
+HK$11,051/mo
Deposit HK$26.14M · loan HK$39.21M · min. income ≈ HK$419,330/mo (50% DSR)
Upfront cash ≈ HK$28.92M (deposit + AVD stamp duty HK$2,777,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,605
−HK$13,081/mo
▼ 0.25% · 3.875%
HK$215,093
−HK$6,593/mo
Today · 4.125%
HK$221,686
baseline
▲ 0.50% · 4.625%
HK$235,175
+HK$13,489/mo
Deposit HK$19.60M · loan HK$45.74M · min. income ≈ HK$443,372/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$2,777,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,071
−HK$12,538/mo
▼ 0.25% · 3.875%
HK$238,295
−HK$6,314/mo
Today · 4.125%
HK$244,609
baseline
▲ 0.50% · 4.625%
HK$257,502
+HK$12,893/mo
Deposit HK$19.60M · loan HK$45.74M · min. income ≈ HK$489,218/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$2,777,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,206
−HK$16,819/mo
▼ 0.25% · 3.875%
HK$276,549
−HK$8,476/mo
Today · 4.125%
HK$285,025
baseline
▲ 0.50% · 4.625%
HK$302,368
+HK$17,343/mo
Deposit HK$6.53M · loan HK$58.81M · min. income ≈ HK$570,050/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$2,777,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,377
−HK$16,120/mo
▼ 0.25% · 3.875%
HK$306,379
−HK$8,118/mo
Today · 4.125%
HK$314,497
baseline
▲ 0.50% · 4.625%
HK$331,074
+HK$16,577/mo
Deposit HK$6.53M · loan HK$58.81M · min. income ≈ HK$628,994/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$2,777,163 · Scale 2, in force from 26 Feb 2026)