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$143,293
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$147,750
−HK$4,529/mo
Today · 4.125%
HK$152,279
baseline
▲ 0.50% · 4.625%
HK$161,545
+HK$9,266/mo
Deposit HK$31.42M · loan HK$31.42M · min. income ≈ HK$304,558/mo (50% DSR)
Upfront cash ≈ HK$34.09M (deposit + AVD stamp duty HK$2,670,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,412
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$163,687
−HK$4,338/mo
Today · 4.125%
HK$168,025
baseline
▲ 0.50% · 4.625%
HK$176,881
+HK$8,856/mo
Deposit HK$31.42M · loan HK$31.42M · min. income ≈ HK$336,050/mo (50% DSR)
Upfront cash ≈ HK$34.09M (deposit + AVD stamp duty HK$2,670,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,952
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$177,300
−HK$5,435/mo
Today · 4.125%
HK$182,735
baseline
▲ 0.50% · 4.625%
HK$193,853
+HK$11,118/mo
Deposit HK$25.14M · loan HK$37.70M · min. income ≈ HK$365,470/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$2,670,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,294
−HK$10,336/mo
▼ 0.25% · 3.875%
HK$196,425
−HK$5,205/mo
Today · 4.125%
HK$201,630
baseline
▲ 0.50% · 4.625%
HK$212,258
+HK$10,628/mo
Deposit HK$25.14M · loan HK$37.70M · min. income ≈ HK$403,260/mo (50% DSR)
Upfront cash ≈ HK$27.81M (deposit + AVD stamp duty HK$2,670,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,610
−HK$12,580/mo
▼ 0.25% · 3.875%
HK$206,850
−HK$6,340/mo
Today · 4.125%
HK$213,190
baseline
▲ 0.50% · 4.625%
HK$226,162
+HK$12,972/mo
Deposit HK$18.85M · loan HK$43.99M · min. income ≈ HK$426,380/mo (50% DSR)
Upfront cash ≈ HK$21.52M (deposit + AVD stamp duty HK$2,670,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,177
−HK$12,057/mo
▼ 0.25% · 3.875%
HK$229,162
−HK$6,072/mo
Today · 4.125%
HK$235,234
baseline
▲ 0.50% · 4.625%
HK$247,634
+HK$12,400/mo
Deposit HK$18.85M · loan HK$43.99M · min. income ≈ HK$470,468/mo (50% DSR)
Upfront cash ≈ HK$21.52M (deposit + AVD stamp duty HK$2,670,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,927
−HK$16,175/mo
▼ 0.25% · 3.875%
HK$265,950
−HK$8,152/mo
Today · 4.125%
HK$274,102
baseline
▲ 0.50% · 4.625%
HK$290,780
+HK$16,678/mo
Deposit HK$6.28M · loan HK$56.56M · min. income ≈ HK$548,204/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$2,670,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,942
−HK$15,502/mo
▼ 0.25% · 3.875%
HK$294,637
−HK$7,807/mo
Today · 4.125%
HK$302,444
baseline
▲ 0.50% · 4.625%
HK$318,387
+HK$15,943/mo
Deposit HK$6.28M · loan HK$56.56M · min. income ≈ HK$604,888/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$2,670,733 · Scale 2, in force from 26 Feb 2026)