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$148,707
−HK$9,325/mo
▼ 0.25% · 3.875%
HK$153,333
−HK$4,699/mo
Today · 4.125%
HK$158,032
baseline
▲ 0.50% · 4.625%
HK$167,648
+HK$9,616/mo
Deposit HK$32.61M · loan HK$32.61M · min. income ≈ HK$316,064/mo (50% DSR)
Upfront cash ≈ HK$35.38M (deposit + AVD stamp duty HK$2,771,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,435
−HK$8,938/mo
▼ 0.25% · 3.875%
HK$169,872
−HK$4,501/mo
Today · 4.125%
HK$174,373
baseline
▲ 0.50% · 4.625%
HK$183,564
+HK$9,191/mo
Deposit HK$32.61M · loan HK$32.61M · min. income ≈ HK$348,746/mo (50% DSR)
Upfront cash ≈ HK$35.38M (deposit + AVD stamp duty HK$2,771,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,448
−HK$11,191/mo
▼ 0.25% · 3.875%
HK$183,999
−HK$5,640/mo
Today · 4.125%
HK$189,639
baseline
▲ 0.50% · 4.625%
HK$201,178
+HK$11,539/mo
Deposit HK$26.09M · loan HK$39.13M · min. income ≈ HK$379,278/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,771,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,522
−HK$10,726/mo
▼ 0.25% · 3.875%
HK$203,846
−HK$5,402/mo
Today · 4.125%
HK$209,248
baseline
▲ 0.50% · 4.625%
HK$220,277
+HK$11,029/mo
Deposit HK$26.09M · loan HK$39.13M · min. income ≈ HK$418,496/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,771,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,190
−HK$13,055/mo
▼ 0.25% · 3.875%
HK$214,666
−HK$6,579/mo
Today · 4.125%
HK$221,245
baseline
▲ 0.50% · 4.625%
HK$234,707
+HK$13,462/mo
Deposit HK$19.56M · loan HK$45.65M · min. income ≈ HK$442,490/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,771,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,609
−HK$12,513/mo
▼ 0.25% · 3.875%
HK$237,821
−HK$6,301/mo
Today · 4.125%
HK$244,122
baseline
▲ 0.50% · 4.625%
HK$256,990
+HK$12,868/mo
Deposit HK$19.56M · loan HK$45.65M · min. income ≈ HK$488,244/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,771,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,673
−HK$16,785/mo
▼ 0.25% · 3.875%
HK$275,999
−HK$8,459/mo
Today · 4.125%
HK$284,458
baseline
▲ 0.50% · 4.625%
HK$301,767
+HK$17,309/mo
Deposit HK$6.52M · loan HK$58.69M · min. income ≈ HK$568,916/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$2,771,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,783
−HK$16,089/mo
▼ 0.25% · 3.875%
HK$305,770
−HK$8,102/mo
Today · 4.125%
HK$313,872
baseline
▲ 0.50% · 4.625%
HK$330,416
+HK$16,544/mo
Deposit HK$6.52M · loan HK$58.69M · min. income ≈ HK$627,744/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$2,771,640 · Scale 2, in force from 26 Feb 2026)