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$142,517
−HK$8,937/mo
▼ 0.25% · 3.875%
HK$146,950
−HK$4,504/mo
Today · 4.125%
HK$151,454
baseline
▲ 0.50% · 4.625%
HK$160,670
+HK$9,216/mo
Deposit HK$31.25M · loan HK$31.25M · min. income ≈ HK$302,908/mo (50% DSR)
Upfront cash ≈ HK$33.91M (deposit + AVD stamp duty HK$2,656,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,549
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$162,801
−HK$4,314/mo
Today · 4.125%
HK$167,115
baseline
▲ 0.50% · 4.625%
HK$175,923
+HK$8,808/mo
Deposit HK$31.25M · loan HK$31.25M · min. income ≈ HK$334,230/mo (50% DSR)
Upfront cash ≈ HK$33.91M (deposit + AVD stamp duty HK$2,656,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,020
−HK$10,725/mo
▼ 0.25% · 3.875%
HK$176,340
−HK$5,405/mo
Today · 4.125%
HK$181,745
baseline
▲ 0.50% · 4.625%
HK$192,804
+HK$11,059/mo
Deposit HK$25.00M · loan HK$37.50M · min. income ≈ HK$363,490/mo (50% DSR)
Upfront cash ≈ HK$27.66M (deposit + AVD stamp duty HK$2,656,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,258
−HK$10,279/mo
▼ 0.25% · 3.875%
HK$195,361
−HK$5,176/mo
Today · 4.125%
HK$200,537
baseline
▲ 0.50% · 4.625%
HK$211,108
+HK$10,571/mo
Deposit HK$25.00M · loan HK$37.50M · min. income ≈ HK$401,074/mo (50% DSR)
Upfront cash ≈ HK$27.66M (deposit + AVD stamp duty HK$2,656,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,524
−HK$12,512/mo
▼ 0.25% · 3.875%
HK$205,730
−HK$6,306/mo
Today · 4.125%
HK$212,036
baseline
▲ 0.50% · 4.625%
HK$224,937
+HK$12,901/mo
Deposit HK$18.75M · loan HK$43.75M · min. income ≈ HK$424,072/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,656,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,968
−HK$11,992/mo
▼ 0.25% · 3.875%
HK$227,921
−HK$6,039/mo
Today · 4.125%
HK$233,960
baseline
▲ 0.50% · 4.625%
HK$246,293
+HK$12,333/mo
Deposit HK$18.75M · loan HK$43.75M · min. income ≈ HK$467,920/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,656,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,530
−HK$16,087/mo
▼ 0.25% · 3.875%
HK$264,510
−HK$8,107/mo
Today · 4.125%
HK$272,617
baseline
▲ 0.50% · 4.625%
HK$289,205
+HK$16,588/mo
Deposit HK$6.25M · loan HK$56.25M · min. income ≈ HK$545,234/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,656,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,388
−HK$15,418/mo
▼ 0.25% · 3.875%
HK$293,042
−HK$7,764/mo
Today · 4.125%
HK$300,806
baseline
▲ 0.50% · 4.625%
HK$316,662
+HK$15,856/mo
Deposit HK$6.25M · loan HK$56.25M · min. income ≈ HK$601,612/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,656,267 · Scale 2, in force from 26 Feb 2026)