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$143,152
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$147,605
−HK$4,524/mo
Today · 4.125%
HK$152,129
baseline
▲ 0.50% · 4.625%
HK$161,386
+HK$9,257/mo
Deposit HK$31.39M · loan HK$31.39M · min. income ≈ HK$304,258/mo (50% DSR)
Upfront cash ≈ HK$34.06M (deposit + AVD stamp duty HK$2,668,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,256
−HK$8,604/mo
▼ 0.25% · 3.875%
HK$163,527
−HK$4,333/mo
Today · 4.125%
HK$167,860
baseline
▲ 0.50% · 4.625%
HK$176,708
+HK$8,848/mo
Deposit HK$31.39M · loan HK$31.39M · min. income ≈ HK$335,720/mo (50% DSR)
Upfront cash ≈ HK$34.06M (deposit + AVD stamp duty HK$2,668,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,783
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$177,126
−HK$5,429/mo
Today · 4.125%
HK$182,555
baseline
▲ 0.50% · 4.625%
HK$193,663
+HK$11,108/mo
Deposit HK$25.11M · loan HK$37.67M · min. income ≈ HK$365,110/mo (50% DSR)
Upfront cash ≈ HK$27.78M (deposit + AVD stamp duty HK$2,668,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,107
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$196,232
−HK$5,200/mo
Today · 4.125%
HK$201,432
baseline
▲ 0.50% · 4.625%
HK$212,049
+HK$10,617/mo
Deposit HK$25.11M · loan HK$37.67M · min. income ≈ HK$402,864/mo (50% DSR)
Upfront cash ≈ HK$27.78M (deposit + AVD stamp duty HK$2,668,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,413
−HK$12,568/mo
▼ 0.25% · 3.875%
HK$206,647
−HK$6,334/mo
Today · 4.125%
HK$212,981
baseline
▲ 0.50% · 4.625%
HK$225,940
+HK$12,959/mo
Deposit HK$18.83M · loan HK$43.95M · min. income ≈ HK$425,962/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,668,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,958
−HK$12,045/mo
▼ 0.25% · 3.875%
HK$228,937
−HK$6,066/mo
Today · 4.125%
HK$235,003
baseline
▲ 0.50% · 4.625%
HK$247,391
+HK$12,388/mo
Deposit HK$18.83M · loan HK$43.95M · min. income ≈ HK$470,006/mo (50% DSR)
Upfront cash ≈ HK$21.50M (deposit + AVD stamp duty HK$2,668,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,674
−HK$16,159/mo
▼ 0.25% · 3.875%
HK$265,689
−HK$8,144/mo
Today · 4.125%
HK$273,833
baseline
▲ 0.50% · 4.625%
HK$290,495
+HK$16,662/mo
Deposit HK$6.28M · loan HK$56.50M · min. income ≈ HK$547,666/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$2,668,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,660
−HK$15,487/mo
▼ 0.25% · 3.875%
HK$294,348
−HK$7,799/mo
Today · 4.125%
HK$302,147
baseline
▲ 0.50% · 4.625%
HK$318,074
+HK$15,927/mo
Deposit HK$6.28M · loan HK$56.50M · min. income ≈ HK$604,294/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$2,668,110 · Scale 2, in force from 26 Feb 2026)