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$148,279
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,892
−HK$4,686/mo
Today · 4.125%
HK$157,578
baseline
▲ 0.50% · 4.625%
HK$167,166
+HK$9,588/mo
Deposit HK$32.51M · loan HK$32.51M · min. income ≈ HK$315,156/mo (50% DSR)
Upfront cash ≈ HK$35.28M (deposit + AVD stamp duty HK$2,763,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,959
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$169,383
−HK$4,488/mo
Today · 4.125%
HK$173,871
baseline
▲ 0.50% · 4.625%
HK$183,036
+HK$9,165/mo
Deposit HK$32.51M · loan HK$32.51M · min. income ≈ HK$347,742/mo (50% DSR)
Upfront cash ≈ HK$35.28M (deposit + AVD stamp duty HK$2,763,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,935
−HK$11,158/mo
▼ 0.25% · 3.875%
HK$183,470
−HK$5,623/mo
Today · 4.125%
HK$189,093
baseline
▲ 0.50% · 4.625%
HK$200,599
+HK$11,506/mo
Deposit HK$26.01M · loan HK$39.02M · min. income ≈ HK$378,186/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,763,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,951
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$203,260
−HK$5,386/mo
Today · 4.125%
HK$208,646
baseline
▲ 0.50% · 4.625%
HK$219,644
+HK$10,998/mo
Deposit HK$26.01M · loan HK$39.02M · min. income ≈ HK$417,292/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,763,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,591
−HK$13,018/mo
▼ 0.25% · 3.875%
HK$214,048
−HK$6,561/mo
Today · 4.125%
HK$220,609
baseline
▲ 0.50% · 4.625%
HK$234,032
+HK$13,423/mo
Deposit HK$19.51M · loan HK$45.52M · min. income ≈ HK$441,218/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,763,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,943
−HK$12,477/mo
▼ 0.25% · 3.875%
HK$237,137
−HK$6,283/mo
Today · 4.125%
HK$243,420
baseline
▲ 0.50% · 4.625%
HK$256,251
+HK$12,831/mo
Deposit HK$19.51M · loan HK$45.52M · min. income ≈ HK$486,840/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,763,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,903
−HK$16,737/mo
▼ 0.25% · 3.875%
HK$275,205
−HK$8,435/mo
Today · 4.125%
HK$283,640
baseline
▲ 0.50% · 4.625%
HK$300,899
+HK$17,259/mo
Deposit HK$6.50M · loan HK$58.52M · min. income ≈ HK$567,280/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$2,763,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,927
−HK$16,042/mo
▼ 0.25% · 3.875%
HK$304,890
−HK$8,079/mo
Today · 4.125%
HK$312,969
baseline
▲ 0.50% · 4.625%
HK$329,466
+HK$16,497/mo
Deposit HK$6.50M · loan HK$58.52M · min. income ≈ HK$625,938/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$2,763,667 · Scale 2, in force from 26 Feb 2026)