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$142,345
−HK$8,926/mo
▼ 0.25% · 3.875%
HK$146,772
−HK$4,499/mo
Today · 4.125%
HK$151,271
baseline
▲ 0.50% · 4.625%
HK$160,475
+HK$9,204/mo
Deposit HK$31.21M · loan HK$31.21M · min. income ≈ HK$302,542/mo (50% DSR)
Upfront cash ≈ HK$33.87M (deposit + AVD stamp duty HK$2,653,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,357
−HK$8,555/mo
▼ 0.25% · 3.875%
HK$162,604
−HK$4,308/mo
Today · 4.125%
HK$166,912
baseline
▲ 0.50% · 4.625%
HK$175,711
+HK$8,799/mo
Deposit HK$31.21M · loan HK$31.21M · min. income ≈ HK$333,824/mo (50% DSR)
Upfront cash ≈ HK$33.87M (deposit + AVD stamp duty HK$2,653,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,813
−HK$10,712/mo
▼ 0.25% · 3.875%
HK$176,127
−HK$5,398/mo
Today · 4.125%
HK$181,525
baseline
▲ 0.50% · 4.625%
HK$192,570
+HK$11,045/mo
Deposit HK$24.97M · loan HK$37.45M · min. income ≈ HK$363,050/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$2,653,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,028
−HK$10,267/mo
▼ 0.25% · 3.875%
HK$195,125
−HK$5,170/mo
Today · 4.125%
HK$200,295
baseline
▲ 0.50% · 4.625%
HK$210,853
+HK$10,558/mo
Deposit HK$24.97M · loan HK$37.45M · min. income ≈ HK$400,590/mo (50% DSR)
Upfront cash ≈ HK$27.62M (deposit + AVD stamp duty HK$2,653,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,282
−HK$12,497/mo
▼ 0.25% · 3.875%
HK$205,481
−HK$6,298/mo
Today · 4.125%
HK$211,779
baseline
▲ 0.50% · 4.625%
HK$224,665
+HK$12,886/mo
Deposit HK$18.73M · loan HK$43.70M · min. income ≈ HK$423,558/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,653,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,700
−HK$11,977/mo
▼ 0.25% · 3.875%
HK$227,645
−HK$6,032/mo
Today · 4.125%
HK$233,677
baseline
▲ 0.50% · 4.625%
HK$245,995
+HK$12,318/mo
Deposit HK$18.73M · loan HK$43.70M · min. income ≈ HK$467,354/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$2,653,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,220
−HK$16,067/mo
▼ 0.25% · 3.875%
HK$264,190
−HK$8,097/mo
Today · 4.125%
HK$272,287
baseline
▲ 0.50% · 4.625%
HK$288,855
+HK$16,568/mo
Deposit HK$6.24M · loan HK$56.18M · min. income ≈ HK$544,574/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,653,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,042
−HK$15,400/mo
▼ 0.25% · 3.875%
HK$292,687
−HK$7,755/mo
Today · 4.125%
HK$300,442
baseline
▲ 0.50% · 4.625%
HK$316,279
+HK$15,837/mo
Deposit HK$6.24M · loan HK$56.18M · min. income ≈ HK$600,884/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,653,054 · Scale 2, in force from 26 Feb 2026)