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$142,601
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$147,037
−HK$4,506/mo
Today · 4.125%
HK$151,543
baseline
▲ 0.50% · 4.625%
HK$160,764
+HK$9,221/mo
Deposit HK$31.27M · loan HK$31.27M · min. income ≈ HK$303,086/mo (50% DSR)
Upfront cash ≈ HK$33.93M (deposit + AVD stamp duty HK$2,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,642
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$162,897
−HK$4,316/mo
Today · 4.125%
HK$167,213
baseline
▲ 0.50% · 4.625%
HK$176,027
+HK$8,814/mo
Deposit HK$31.27M · loan HK$31.27M · min. income ≈ HK$334,426/mo (50% DSR)
Upfront cash ≈ HK$33.93M (deposit + AVD stamp duty HK$2,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,121
−HK$10,731/mo
▼ 0.25% · 3.875%
HK$176,444
−HK$5,408/mo
Today · 4.125%
HK$181,852
baseline
▲ 0.50% · 4.625%
HK$192,917
+HK$11,065/mo
Deposit HK$25.01M · loan HK$37.52M · min. income ≈ HK$363,704/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,371
−HK$10,285/mo
▼ 0.25% · 3.875%
HK$195,476
−HK$5,180/mo
Today · 4.125%
HK$200,656
baseline
▲ 0.50% · 4.625%
HK$211,233
+HK$10,577/mo
Deposit HK$25.01M · loan HK$37.52M · min. income ≈ HK$401,312/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,642
−HK$12,519/mo
▼ 0.25% · 3.875%
HK$205,851
−HK$6,310/mo
Today · 4.125%
HK$212,161
baseline
▲ 0.50% · 4.625%
HK$225,070
+HK$12,909/mo
Deposit HK$18.76M · loan HK$43.78M · min. income ≈ HK$424,322/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,099
−HK$12,000/mo
▼ 0.25% · 3.875%
HK$228,056
−HK$6,043/mo
Today · 4.125%
HK$234,099
baseline
▲ 0.50% · 4.625%
HK$246,438
+HK$12,339/mo
Deposit HK$18.76M · loan HK$43.78M · min. income ≈ HK$468,198/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,682
−HK$16,096/mo
▼ 0.25% · 3.875%
HK$264,666
−HK$8,112/mo
Today · 4.125%
HK$272,778
baseline
▲ 0.50% · 4.625%
HK$289,376
+HK$16,598/mo
Deposit HK$6.25M · loan HK$56.28M · min. income ≈ HK$545,556/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,657,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,556
−HK$15,428/mo
▼ 0.25% · 3.875%
HK$293,215
−HK$7,769/mo
Today · 4.125%
HK$300,984
baseline
▲ 0.50% · 4.625%
HK$316,849
+HK$15,865/mo
Deposit HK$6.25M · loan HK$56.28M · min. income ≈ HK$601,968/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,657,836 · Scale 2, in force from 26 Feb 2026)