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$145,191
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,707
−HK$4,589/mo
Today · 4.125%
HK$154,296
baseline
▲ 0.50% · 4.625%
HK$163,684
+HK$9,388/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$308,592/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,706,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,523
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,855
−HK$4,395/mo
Today · 4.125%
HK$170,250
baseline
▲ 0.50% · 4.625%
HK$179,224
+HK$8,974/mo
Deposit HK$31.84M · loan HK$31.84M · min. income ≈ HK$340,500/mo (50% DSR)
Upfront cash ≈ HK$34.54M (deposit + AVD stamp duty HK$2,706,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,229
−HK$10,926/mo
▼ 0.25% · 3.875%
HK$179,648
−HK$5,507/mo
Today · 4.125%
HK$185,155
baseline
▲ 0.50% · 4.625%
HK$196,421
+HK$11,266/mo
Deposit HK$25.47M · loan HK$38.20M · min. income ≈ HK$370,310/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,828
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$199,026
−HK$5,274/mo
Today · 4.125%
HK$204,300
baseline
▲ 0.50% · 4.625%
HK$215,069
+HK$10,769/mo
Deposit HK$25.47M · loan HK$38.20M · min. income ≈ HK$408,600/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,706,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,267
−HK$12,747/mo
▼ 0.25% · 3.875%
HK$209,590
−HK$6,424/mo
Today · 4.125%
HK$216,014
baseline
▲ 0.50% · 4.625%
HK$229,158
+HK$13,144/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$432,028/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,133
−HK$12,217/mo
▼ 0.25% · 3.875%
HK$232,197
−HK$6,153/mo
Today · 4.125%
HK$238,350
baseline
▲ 0.50% · 4.625%
HK$250,914
+HK$12,564/mo
Deposit HK$19.10M · loan HK$44.57M · min. income ≈ HK$476,700/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,706,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,343
−HK$16,389/mo
▼ 0.25% · 3.875%
HK$269,473
−HK$8,259/mo
Today · 4.125%
HK$277,732
baseline
▲ 0.50% · 4.625%
HK$294,631
+HK$16,899/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$555,464/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,742
−HK$15,708/mo
▼ 0.25% · 3.875%
HK$298,540
−HK$7,910/mo
Today · 4.125%
HK$306,450
baseline
▲ 0.50% · 4.625%
HK$322,603
+HK$16,153/mo
Deposit HK$6.37M · loan HK$57.31M · min. income ≈ HK$612,900/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,706,104 · Scale 2, in force from 26 Feb 2026)