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$146,577
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$151,137
−HK$4,632/mo
Today · 4.125%
HK$155,769
baseline
▲ 0.50% · 4.625%
HK$165,247
+HK$9,478/mo
Deposit HK$32.14M · loan HK$32.14M · min. income ≈ HK$311,538/mo (50% DSR)
Upfront cash ≈ HK$34.87M (deposit + AVD stamp duty HK$2,731,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,066
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$167,439
−HK$4,437/mo
Today · 4.125%
HK$171,876
baseline
▲ 0.50% · 4.625%
HK$180,936
+HK$9,060/mo
Deposit HK$32.14M · loan HK$32.14M · min. income ≈ HK$343,752/mo (50% DSR)
Upfront cash ≈ HK$34.87M (deposit + AVD stamp duty HK$2,731,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,893
−HK$11,030/mo
▼ 0.25% · 3.875%
HK$181,364
−HK$5,559/mo
Today · 4.125%
HK$186,923
baseline
▲ 0.50% · 4.625%
HK$198,297
+HK$11,374/mo
Deposit HK$25.71M · loan HK$38.57M · min. income ≈ HK$373,846/mo (50% DSR)
Upfront cash ≈ HK$28.44M (deposit + AVD stamp duty HK$2,731,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,679
−HK$10,572/mo
▼ 0.25% · 3.875%
HK$200,927
−HK$5,324/mo
Today · 4.125%
HK$206,251
baseline
▲ 0.50% · 4.625%
HK$217,123
+HK$10,872/mo
Deposit HK$25.71M · loan HK$38.57M · min. income ≈ HK$412,502/mo (50% DSR)
Upfront cash ≈ HK$28.44M (deposit + AVD stamp duty HK$2,731,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,208
−HK$12,869/mo
▼ 0.25% · 3.875%
HK$211,591
−HK$6,486/mo
Today · 4.125%
HK$218,077
baseline
▲ 0.50% · 4.625%
HK$231,346
+HK$13,269/mo
Deposit HK$19.28M · loan HK$45.00M · min. income ≈ HK$436,154/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,731,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,292
−HK$12,334/mo
▼ 0.25% · 3.875%
HK$234,415
−HK$6,211/mo
Today · 4.125%
HK$240,626
baseline
▲ 0.50% · 4.625%
HK$253,310
+HK$12,684/mo
Deposit HK$19.28M · loan HK$45.00M · min. income ≈ HK$481,252/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,731,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,839
−HK$16,545/mo
▼ 0.25% · 3.875%
HK$272,046
−HK$8,338/mo
Today · 4.125%
HK$280,384
baseline
▲ 0.50% · 4.625%
HK$297,445
+HK$17,061/mo
Deposit HK$6.43M · loan HK$57.85M · min. income ≈ HK$560,768/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$2,731,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,518
−HK$15,858/mo
▼ 0.25% · 3.875%
HK$301,390
−HK$7,986/mo
Today · 4.125%
HK$309,376
baseline
▲ 0.50% · 4.625%
HK$325,684
+HK$16,308/mo
Deposit HK$6.43M · loan HK$57.85M · min. income ≈ HK$618,752/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$2,731,946 · Scale 2, in force from 26 Feb 2026)