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$143,687
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$148,156
−HK$4,541/mo
Today · 4.125%
HK$152,697
baseline
▲ 0.50% · 4.625%
HK$161,988
+HK$9,291/mo
Deposit HK$31.51M · loan HK$31.51M · min. income ≈ HK$305,394/mo (50% DSR)
Upfront cash ≈ HK$34.18M (deposit + AVD stamp duty HK$2,678,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,850
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$164,137
−HK$4,349/mo
Today · 4.125%
HK$168,486
baseline
▲ 0.50% · 4.625%
HK$177,367
+HK$8,881/mo
Deposit HK$31.51M · loan HK$31.51M · min. income ≈ HK$336,972/mo (50% DSR)
Upfront cash ≈ HK$34.18M (deposit + AVD stamp duty HK$2,678,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,424
−HK$10,812/mo
▼ 0.25% · 3.875%
HK$177,787
−HK$5,449/mo
Today · 4.125%
HK$183,236
baseline
▲ 0.50% · 4.625%
HK$194,386
+HK$11,150/mo
Deposit HK$25.21M · loan HK$37.81M · min. income ≈ HK$366,472/mo (50% DSR)
Upfront cash ≈ HK$27.88M (deposit + AVD stamp duty HK$2,678,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,820
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$196,964
−HK$5,219/mo
Today · 4.125%
HK$202,183
baseline
▲ 0.50% · 4.625%
HK$212,841
+HK$10,658/mo
Deposit HK$25.21M · loan HK$37.81M · min. income ≈ HK$404,366/mo (50% DSR)
Upfront cash ≈ HK$27.88M (deposit + AVD stamp duty HK$2,678,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,161
−HK$12,615/mo
▼ 0.25% · 3.875%
HK$207,418
−HK$6,358/mo
Today · 4.125%
HK$213,776
baseline
▲ 0.50% · 4.625%
HK$226,783
+HK$13,007/mo
Deposit HK$18.90M · loan HK$44.11M · min. income ≈ HK$427,552/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$2,678,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,790
−HK$12,090/mo
▼ 0.25% · 3.875%
HK$229,792
−HK$6,088/mo
Today · 4.125%
HK$235,880
baseline
▲ 0.50% · 4.625%
HK$248,314
+HK$12,434/mo
Deposit HK$18.90M · loan HK$44.11M · min. income ≈ HK$471,760/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$2,678,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,636
−HK$16,218/mo
▼ 0.25% · 3.875%
HK$266,681
−HK$8,173/mo
Today · 4.125%
HK$274,854
baseline
▲ 0.50% · 4.625%
HK$291,579
+HK$16,725/mo
Deposit HK$6.30M · loan HK$56.71M · min. income ≈ HK$549,708/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,678,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,730
−HK$15,545/mo
▼ 0.25% · 3.875%
HK$295,446
−HK$7,829/mo
Today · 4.125%
HK$303,275
baseline
▲ 0.50% · 4.625%
HK$319,261
+HK$15,986/mo
Deposit HK$6.30M · loan HK$56.71M · min. income ≈ HK$606,550/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,678,066 · Scale 2, in force from 26 Feb 2026)