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$141,440
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$145,839
−HK$4,470/mo
Today · 4.125%
HK$150,309
baseline
▲ 0.50% · 4.625%
HK$159,455
+HK$9,146/mo
Deposit HK$31.01M · loan HK$31.01M · min. income ≈ HK$300,618/mo (50% DSR)
Upfront cash ≈ HK$33.65M (deposit + AVD stamp duty HK$2,636,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,350
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$161,571
−HK$4,281/mo
Today · 4.125%
HK$165,852
baseline
▲ 0.50% · 4.625%
HK$174,594
+HK$8,742/mo
Deposit HK$31.01M · loan HK$31.01M · min. income ≈ HK$331,704/mo (50% DSR)
Upfront cash ≈ HK$33.65M (deposit + AVD stamp duty HK$2,636,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,728
−HK$10,643/mo
▼ 0.25% · 3.875%
HK$175,007
−HK$5,364/mo
Today · 4.125%
HK$180,371
baseline
▲ 0.50% · 4.625%
HK$191,346
+HK$10,975/mo
Deposit HK$24.81M · loan HK$37.22M · min. income ≈ HK$360,742/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,636,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,821
−HK$10,201/mo
▼ 0.25% · 3.875%
HK$193,885
−HK$5,137/mo
Today · 4.125%
HK$199,022
baseline
▲ 0.50% · 4.625%
HK$209,513
+HK$10,491/mo
Deposit HK$24.81M · loan HK$37.22M · min. income ≈ HK$398,044/mo (50% DSR)
Upfront cash ≈ HK$27.45M (deposit + AVD stamp duty HK$2,636,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,016
−HK$12,417/mo
▼ 0.25% · 3.875%
HK$204,175
−HK$6,258/mo
Today · 4.125%
HK$210,433
baseline
▲ 0.50% · 4.625%
HK$223,238
+HK$12,805/mo
Deposit HK$18.61M · loan HK$43.42M · min. income ≈ HK$420,866/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,636,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,291
−HK$11,901/mo
▼ 0.25% · 3.875%
HK$226,199
−HK$5,993/mo
Today · 4.125%
HK$232,192
baseline
▲ 0.50% · 4.625%
HK$244,431
+HK$12,239/mo
Deposit HK$18.61M · loan HK$43.42M · min. income ≈ HK$464,384/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,636,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,592
−HK$15,965/mo
▼ 0.25% · 3.875%
HK$262,511
−HK$8,046/mo
Today · 4.125%
HK$270,557
baseline
▲ 0.50% · 4.625%
HK$287,020
+HK$16,463/mo
Deposit HK$6.20M · loan HK$55.83M · min. income ≈ HK$541,114/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,636,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,231
−HK$15,302/mo
▼ 0.25% · 3.875%
HK$290,827
−HK$7,706/mo
Today · 4.125%
HK$298,533
baseline
▲ 0.50% · 4.625%
HK$314,269
+HK$15,736/mo
Deposit HK$6.20M · loan HK$55.83M · min. income ≈ HK$597,066/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,636,193 · Scale 2, in force from 26 Feb 2026)