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$144,988
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$149,497
−HK$4,583/mo
Today · 4.125%
HK$154,080
baseline
▲ 0.50% · 4.625%
HK$163,455
+HK$9,375/mo
Deposit HK$31.79M · loan HK$31.79M · min. income ≈ HK$308,160/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,702,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,297
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$165,623
−HK$4,389/mo
Today · 4.125%
HK$170,012
baseline
▲ 0.50% · 4.625%
HK$178,973
+HK$8,961/mo
Deposit HK$31.79M · loan HK$31.79M · min. income ≈ HK$340,024/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,702,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,985
−HK$10,910/mo
▼ 0.25% · 3.875%
HK$179,397
−HK$5,498/mo
Today · 4.125%
HK$184,895
baseline
▲ 0.50% · 4.625%
HK$196,146
+HK$11,251/mo
Deposit HK$25.43M · loan HK$38.15M · min. income ≈ HK$369,790/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,702,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,557
−HK$10,457/mo
▼ 0.25% · 3.875%
HK$198,748
−HK$5,266/mo
Today · 4.125%
HK$204,014
baseline
▲ 0.50% · 4.625%
HK$214,768
+HK$10,754/mo
Deposit HK$25.43M · loan HK$38.15M · min. income ≈ HK$408,028/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,702,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,983
−HK$12,728/mo
▼ 0.25% · 3.875%
HK$209,296
−HK$6,415/mo
Today · 4.125%
HK$215,711
baseline
▲ 0.50% · 4.625%
HK$228,837
+HK$13,126/mo
Deposit HK$19.08M · loan HK$44.51M · min. income ≈ HK$431,422/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,702,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,816
−HK$12,200/mo
▼ 0.25% · 3.875%
HK$231,872
−HK$6,144/mo
Today · 4.125%
HK$238,016
baseline
▲ 0.50% · 4.625%
HK$250,562
+HK$12,546/mo
Deposit HK$19.08M · loan HK$44.51M · min. income ≈ HK$476,032/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,702,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,978
−HK$16,365/mo
▼ 0.25% · 3.875%
HK$269,095
−HK$8,248/mo
Today · 4.125%
HK$277,343
baseline
▲ 0.50% · 4.625%
HK$294,219
+HK$16,876/mo
Deposit HK$6.36M · loan HK$57.23M · min. income ≈ HK$554,686/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,702,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,335
−HK$15,686/mo
▼ 0.25% · 3.875%
HK$298,122
−HK$7,899/mo
Today · 4.125%
HK$306,021
baseline
▲ 0.50% · 4.625%
HK$322,152
+HK$16,131/mo
Deposit HK$6.36M · loan HK$57.23M · min. income ≈ HK$612,042/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,702,315 · Scale 2, in force from 26 Feb 2026)