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$141,902
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$146,316
−HK$4,485/mo
Today · 4.125%
HK$150,801
baseline
▲ 0.50% · 4.625%
HK$159,977
+HK$9,176/mo
Deposit HK$31.12M · loan HK$31.12M · min. income ≈ HK$301,602/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$2,644,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,865
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$162,099
−HK$4,295/mo
Today · 4.125%
HK$166,394
baseline
▲ 0.50% · 4.625%
HK$175,165
+HK$8,771/mo
Deposit HK$31.12M · loan HK$31.12M · min. income ≈ HK$332,788/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$2,644,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,283
−HK$10,678/mo
▼ 0.25% · 3.875%
HK$175,580
−HK$5,381/mo
Today · 4.125%
HK$180,961
baseline
▲ 0.50% · 4.625%
HK$191,972
+HK$11,011/mo
Deposit HK$24.89M · loan HK$37.34M · min. income ≈ HK$361,922/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,644,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,438
−HK$10,235/mo
▼ 0.25% · 3.875%
HK$194,519
−HK$5,154/mo
Today · 4.125%
HK$199,673
baseline
▲ 0.50% · 4.625%
HK$210,198
+HK$10,525/mo
Deposit HK$24.89M · loan HK$37.34M · min. income ≈ HK$399,346/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,644,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,663
−HK$12,458/mo
▼ 0.25% · 3.875%
HK$204,843
−HK$6,278/mo
Today · 4.125%
HK$211,121
baseline
▲ 0.50% · 4.625%
HK$223,968
+HK$12,847/mo
Deposit HK$18.67M · loan HK$43.56M · min. income ≈ HK$422,242/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,644,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,011
−HK$11,941/mo
▼ 0.25% · 3.875%
HK$226,938
−HK$6,014/mo
Today · 4.125%
HK$232,952
baseline
▲ 0.50% · 4.625%
HK$245,231
+HK$12,279/mo
Deposit HK$18.67M · loan HK$43.56M · min. income ≈ HK$465,904/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,644,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,424
−HK$16,018/mo
▼ 0.25% · 3.875%
HK$263,370
−HK$8,072/mo
Today · 4.125%
HK$271,442
baseline
▲ 0.50% · 4.625%
HK$287,958
+HK$16,516/mo
Deposit HK$6.22M · loan HK$56.01M · min. income ≈ HK$542,884/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,644,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,157
−HK$15,352/mo
▼ 0.25% · 3.875%
HK$291,778
−HK$7,731/mo
Today · 4.125%
HK$299,509
baseline
▲ 0.50% · 4.625%
HK$315,297
+HK$15,788/mo
Deposit HK$6.22M · loan HK$56.01M · min. income ≈ HK$599,018/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,644,814 · Scale 2, in force from 26 Feb 2026)