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$142,871
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$147,315
−HK$4,515/mo
Today · 4.125%
HK$151,830
baseline
▲ 0.50% · 4.625%
HK$161,068
+HK$9,238/mo
Deposit HK$31.33M · loan HK$31.33M · min. income ≈ HK$303,660/mo (50% DSR)
Upfront cash ≈ HK$33.99M (deposit + AVD stamp duty HK$2,662,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,942
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$163,205
−HK$4,324/mo
Today · 4.125%
HK$167,529
baseline
▲ 0.50% · 4.625%
HK$176,360
+HK$8,831/mo
Deposit HK$31.33M · loan HK$31.33M · min. income ≈ HK$335,058/mo (50% DSR)
Upfront cash ≈ HK$33.99M (deposit + AVD stamp duty HK$2,662,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,445
−HK$10,751/mo
▼ 0.25% · 3.875%
HK$176,778
−HK$5,418/mo
Today · 4.125%
HK$182,196
baseline
▲ 0.50% · 4.625%
HK$193,282
+HK$11,086/mo
Deposit HK$25.06M · loan HK$37.59M · min. income ≈ HK$364,392/mo (50% DSR)
Upfront cash ≈ HK$27.73M (deposit + AVD stamp duty HK$2,662,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,731
−HK$10,304/mo
▼ 0.25% · 3.875%
HK$195,846
−HK$5,189/mo
Today · 4.125%
HK$201,035
baseline
▲ 0.50% · 4.625%
HK$211,632
+HK$10,597/mo
Deposit HK$25.06M · loan HK$37.59M · min. income ≈ HK$402,070/mo (50% DSR)
Upfront cash ≈ HK$27.73M (deposit + AVD stamp duty HK$2,662,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,019
−HK$12,543/mo
▼ 0.25% · 3.875%
HK$206,241
−HK$6,321/mo
Today · 4.125%
HK$212,562
baseline
▲ 0.50% · 4.625%
HK$225,496
+HK$12,934/mo
Deposit HK$18.80M · loan HK$43.86M · min. income ≈ HK$425,124/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,662,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,519
−HK$12,022/mo
▼ 0.25% · 3.875%
HK$228,487
−HK$6,054/mo
Today · 4.125%
HK$234,541
baseline
▲ 0.50% · 4.625%
HK$246,904
+HK$12,363/mo
Deposit HK$18.80M · loan HK$43.86M · min. income ≈ HK$469,082/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$2,662,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,167
−HK$16,127/mo
▼ 0.25% · 3.875%
HK$265,166
−HK$8,128/mo
Today · 4.125%
HK$273,294
baseline
▲ 0.50% · 4.625%
HK$289,923
+HK$16,629/mo
Deposit HK$6.27M · loan HK$56.39M · min. income ≈ HK$546,588/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$2,662,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,096
−HK$15,457/mo
▼ 0.25% · 3.875%
HK$293,769
−HK$7,784/mo
Today · 4.125%
HK$301,553
baseline
▲ 0.50% · 4.625%
HK$317,448
+HK$15,895/mo
Deposit HK$6.27M · loan HK$56.39M · min. income ≈ HK$603,106/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$2,662,859 · Scale 2, in force from 26 Feb 2026)