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$146,156
−HK$9,165/mo
▼ 0.25% · 3.875%
HK$150,702
−HK$4,619/mo
Today · 4.125%
HK$155,321
baseline
▲ 0.50% · 4.625%
HK$164,772
+HK$9,451/mo
Deposit HK$32.05M · loan HK$32.05M · min. income ≈ HK$310,642/mo (50% DSR)
Upfront cash ≈ HK$34.77M (deposit + AVD stamp duty HK$2,724,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,597
−HK$8,785/mo
▼ 0.25% · 3.875%
HK$166,958
−HK$4,424/mo
Today · 4.125%
HK$171,382
baseline
▲ 0.50% · 4.625%
HK$180,416
+HK$9,034/mo
Deposit HK$32.05M · loan HK$32.05M · min. income ≈ HK$342,764/mo (50% DSR)
Upfront cash ≈ HK$34.77M (deposit + AVD stamp duty HK$2,724,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,387
−HK$10,999/mo
▼ 0.25% · 3.875%
HK$180,843
−HK$5,543/mo
Today · 4.125%
HK$186,386
baseline
▲ 0.50% · 4.625%
HK$197,727
+HK$11,341/mo
Deposit HK$25.64M · loan HK$38.46M · min. income ≈ HK$372,772/mo (50% DSR)
Upfront cash ≈ HK$28.36M (deposit + AVD stamp duty HK$2,724,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,117
−HK$10,541/mo
▼ 0.25% · 3.875%
HK$200,350
−HK$5,308/mo
Today · 4.125%
HK$205,658
baseline
▲ 0.50% · 4.625%
HK$216,499
+HK$10,841/mo
Deposit HK$25.64M · loan HK$38.46M · min. income ≈ HK$411,316/mo (50% DSR)
Upfront cash ≈ HK$28.36M (deposit + AVD stamp duty HK$2,724,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,619
−HK$12,831/mo
▼ 0.25% · 3.875%
HK$210,983
−HK$6,467/mo
Today · 4.125%
HK$217,450
baseline
▲ 0.50% · 4.625%
HK$230,681
+HK$13,231/mo
Deposit HK$19.23M · loan HK$44.87M · min. income ≈ HK$434,900/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,724,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,636
−HK$12,299/mo
▼ 0.25% · 3.875%
HK$233,741
−HK$6,194/mo
Today · 4.125%
HK$239,935
baseline
▲ 0.50% · 4.625%
HK$252,582
+HK$12,647/mo
Deposit HK$19.23M · loan HK$44.87M · min. income ≈ HK$479,870/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$2,724,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,081
−HK$16,498/mo
▼ 0.25% · 3.875%
HK$271,264
−HK$8,315/mo
Today · 4.125%
HK$279,579
baseline
▲ 0.50% · 4.625%
HK$296,590
+HK$17,011/mo
Deposit HK$6.41M · loan HK$57.69M · min. income ≈ HK$559,158/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$2,724,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,675
−HK$15,812/mo
▼ 0.25% · 3.875%
HK$300,524
−HK$7,963/mo
Today · 4.125%
HK$308,487
baseline
▲ 0.50% · 4.625%
HK$324,748
+HK$16,261/mo
Deposit HK$6.41M · loan HK$57.69M · min. income ≈ HK$616,974/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$2,724,096 · Scale 2, in force from 26 Feb 2026)