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$142,872
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$147,316
−HK$4,516/mo
Today · 4.125%
HK$151,832
baseline
▲ 0.50% · 4.625%
HK$161,070
+HK$9,238/mo
Deposit HK$31.33M · loan HK$31.33M · min. income ≈ HK$303,664/mo (50% DSR)
Upfront cash ≈ HK$33.99M (deposit + AVD stamp duty HK$2,662,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,944
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$163,207
−HK$4,324/mo
Today · 4.125%
HK$167,531
baseline
▲ 0.50% · 4.625%
HK$176,362
+HK$8,831/mo
Deposit HK$31.33M · loan HK$31.33M · min. income ≈ HK$335,062/mo (50% DSR)
Upfront cash ≈ HK$33.99M (deposit + AVD stamp duty HK$2,662,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,447
−HK$10,751/mo
▼ 0.25% · 3.875%
HK$176,780
−HK$5,418/mo
Today · 4.125%
HK$182,198
baseline
▲ 0.50% · 4.625%
HK$193,284
+HK$11,086/mo
Deposit HK$25.06M · loan HK$37.59M · min. income ≈ HK$364,396/mo (50% DSR)
Upfront cash ≈ HK$27.73M (deposit + AVD stamp duty HK$2,662,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,733
−HK$10,304/mo
▼ 0.25% · 3.875%
HK$195,848
−HK$5,189/mo
Today · 4.125%
HK$201,037
baseline
▲ 0.50% · 4.625%
HK$211,634
+HK$10,597/mo
Deposit HK$25.06M · loan HK$37.59M · min. income ≈ HK$402,074/mo (50% DSR)
Upfront cash ≈ HK$27.73M (deposit + AVD stamp duty HK$2,662,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,021
−HK$12,543/mo
▼ 0.25% · 3.875%
HK$206,243
−HK$6,321/mo
Today · 4.125%
HK$212,564
baseline
▲ 0.50% · 4.625%
HK$225,498
+HK$12,934/mo
Deposit HK$18.80M · loan HK$43.86M · min. income ≈ HK$425,128/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,662,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,522
−HK$12,022/mo
▼ 0.25% · 3.875%
HK$228,489
−HK$6,055/mo
Today · 4.125%
HK$234,544
baseline
▲ 0.50% · 4.625%
HK$246,907
+HK$12,363/mo
Deposit HK$18.80M · loan HK$43.86M · min. income ≈ HK$469,088/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,662,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,170
−HK$16,127/mo
▼ 0.25% · 3.875%
HK$265,170
−HK$8,127/mo
Today · 4.125%
HK$273,297
baseline
▲ 0.50% · 4.625%
HK$289,926
+HK$16,629/mo
Deposit HK$6.27M · loan HK$56.39M · min. income ≈ HK$546,594/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$2,662,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,099
−HK$15,457/mo
▼ 0.25% · 3.875%
HK$293,772
−HK$7,784/mo
Today · 4.125%
HK$301,556
baseline
▲ 0.50% · 4.625%
HK$317,452
+HK$15,896/mo
Deposit HK$6.27M · loan HK$56.39M · min. income ≈ HK$603,112/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$2,662,891 · Scale 2, in force from 26 Feb 2026)