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$141,958
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$146,374
−HK$4,486/mo
Today · 4.125%
HK$150,860
baseline
▲ 0.50% · 4.625%
HK$160,039
+HK$9,179/mo
Deposit HK$31.13M · loan HK$31.13M · min. income ≈ HK$301,720/mo (50% DSR)
Upfront cash ≈ HK$33.77M (deposit + AVD stamp duty HK$2,645,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,927
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$162,162
−HK$4,297/mo
Today · 4.125%
HK$166,459
baseline
▲ 0.50% · 4.625%
HK$175,233
+HK$8,774/mo
Deposit HK$31.13M · loan HK$31.13M · min. income ≈ HK$332,918/mo (50% DSR)
Upfront cash ≈ HK$33.77M (deposit + AVD stamp duty HK$2,645,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,350
−HK$10,682/mo
▼ 0.25% · 3.875%
HK$175,648
−HK$5,384/mo
Today · 4.125%
HK$181,032
baseline
▲ 0.50% · 4.625%
HK$192,047
+HK$11,015/mo
Deposit HK$24.90M · loan HK$37.35M · min. income ≈ HK$362,064/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,645,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,512
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$194,595
−HK$5,156/mo
Today · 4.125%
HK$199,751
baseline
▲ 0.50% · 4.625%
HK$210,280
+HK$10,529/mo
Deposit HK$24.90M · loan HK$37.35M · min. income ≈ HK$399,502/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,645,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,741
−HK$12,463/mo
▼ 0.25% · 3.875%
HK$204,923
−HK$6,281/mo
Today · 4.125%
HK$211,204
baseline
▲ 0.50% · 4.625%
HK$224,055
+HK$12,851/mo
Deposit HK$18.68M · loan HK$43.58M · min. income ≈ HK$422,408/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,645,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,098
−HK$11,945/mo
▼ 0.25% · 3.875%
HK$227,027
−HK$6,016/mo
Today · 4.125%
HK$233,043
baseline
▲ 0.50% · 4.625%
HK$245,327
+HK$12,284/mo
Deposit HK$18.68M · loan HK$43.58M · min. income ≈ HK$466,086/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,645,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,524
−HK$16,024/mo
▼ 0.25% · 3.875%
HK$263,473
−HK$8,075/mo
Today · 4.125%
HK$271,548
baseline
▲ 0.50% · 4.625%
HK$288,071
+HK$16,523/mo
Deposit HK$6.23M · loan HK$56.03M · min. income ≈ HK$543,096/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,645,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,268
−HK$15,358/mo
▼ 0.25% · 3.875%
HK$291,892
−HK$7,734/mo
Today · 4.125%
HK$299,626
baseline
▲ 0.50% · 4.625%
HK$315,420
+HK$15,794/mo
Deposit HK$6.23M · loan HK$56.03M · min. income ≈ HK$599,252/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,645,849 · Scale 2, in force from 26 Feb 2026)