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$147,398
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$151,983
−HK$4,658/mo
Today · 4.125%
HK$156,641
baseline
▲ 0.50% · 4.625%
HK$166,173
+HK$9,532/mo
Deposit HK$32.32M · loan HK$32.32M · min. income ≈ HK$313,282/mo (50% DSR)
Upfront cash ≈ HK$35.07M (deposit + AVD stamp duty HK$2,747,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,979
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$168,377
−HK$4,461/mo
Today · 4.125%
HK$172,838
baseline
▲ 0.50% · 4.625%
HK$181,949
+HK$9,111/mo
Deposit HK$32.32M · loan HK$32.32M · min. income ≈ HK$345,676/mo (50% DSR)
Upfront cash ≈ HK$35.07M (deposit + AVD stamp duty HK$2,747,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,878
−HK$11,092/mo
▼ 0.25% · 3.875%
HK$182,380
−HK$5,590/mo
Today · 4.125%
HK$187,970
baseline
▲ 0.50% · 4.625%
HK$199,407
+HK$11,437/mo
Deposit HK$25.86M · loan HK$38.78M · min. income ≈ HK$375,940/mo (50% DSR)
Upfront cash ≈ HK$28.60M (deposit + AVD stamp duty HK$2,747,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,775
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$202,052
−HK$5,354/mo
Today · 4.125%
HK$207,406
baseline
▲ 0.50% · 4.625%
HK$218,339
+HK$10,933/mo
Deposit HK$25.86M · loan HK$38.78M · min. income ≈ HK$414,812/mo (50% DSR)
Upfront cash ≈ HK$28.60M (deposit + AVD stamp duty HK$2,747,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,357
−HK$12,941/mo
▼ 0.25% · 3.875%
HK$212,776
−HK$6,522/mo
Today · 4.125%
HK$219,298
baseline
▲ 0.50% · 4.625%
HK$232,642
+HK$13,344/mo
Deposit HK$19.39M · loan HK$45.25M · min. income ≈ HK$438,596/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,747,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,571
−HK$12,403/mo
▼ 0.25% · 3.875%
HK$235,728
−HK$6,246/mo
Today · 4.125%
HK$241,974
baseline
▲ 0.50% · 4.625%
HK$254,728
+HK$12,754/mo
Deposit HK$19.39M · loan HK$45.25M · min. income ≈ HK$483,948/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,747,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,317
−HK$16,637/mo
▼ 0.25% · 3.875%
HK$273,570
−HK$8,384/mo
Today · 4.125%
HK$281,954
baseline
▲ 0.50% · 4.625%
HK$299,111
+HK$17,157/mo
Deposit HK$6.46M · loan HK$58.18M · min. income ≈ HK$563,908/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$2,747,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,162
−HK$15,947/mo
▼ 0.25% · 3.875%
HK$303,078
−HK$8,031/mo
Today · 4.125%
HK$311,109
baseline
▲ 0.50% · 4.625%
HK$327,508
+HK$16,399/mo
Deposit HK$6.46M · loan HK$58.18M · min. income ≈ HK$622,218/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$2,747,246 · Scale 2, in force from 26 Feb 2026)