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$142,390
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$146,819
−HK$4,500/mo
Today · 4.125%
HK$151,319
baseline
▲ 0.50% · 4.625%
HK$160,527
+HK$9,208/mo
Deposit HK$31.22M · loan HK$31.22M · min. income ≈ HK$302,638/mo (50% DSR)
Upfront cash ≈ HK$33.88M (deposit + AVD stamp duty HK$2,653,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,408
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$162,656
−HK$4,310/mo
Today · 4.125%
HK$166,966
baseline
▲ 0.50% · 4.625%
HK$175,767
+HK$8,801/mo
Deposit HK$31.22M · loan HK$31.22M · min. income ≈ HK$333,932/mo (50% DSR)
Upfront cash ≈ HK$33.88M (deposit + AVD stamp duty HK$2,653,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,868
−HK$10,715/mo
▼ 0.25% · 3.875%
HK$176,183
−HK$5,400/mo
Today · 4.125%
HK$181,583
baseline
▲ 0.50% · 4.625%
HK$192,632
+HK$11,049/mo
Deposit HK$24.98M · loan HK$37.47M · min. income ≈ HK$363,166/mo (50% DSR)
Upfront cash ≈ HK$27.63M (deposit + AVD stamp duty HK$2,653,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,089
−HK$10,270/mo
▼ 0.25% · 3.875%
HK$195,187
−HK$5,172/mo
Today · 4.125%
HK$200,359
baseline
▲ 0.50% · 4.625%
HK$210,920
+HK$10,561/mo
Deposit HK$24.98M · loan HK$37.47M · min. income ≈ HK$400,718/mo (50% DSR)
Upfront cash ≈ HK$27.63M (deposit + AVD stamp duty HK$2,653,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,346
−HK$12,501/mo
▼ 0.25% · 3.875%
HK$205,547
−HK$6,300/mo
Today · 4.125%
HK$211,847
baseline
▲ 0.50% · 4.625%
HK$224,737
+HK$12,890/mo
Deposit HK$18.73M · loan HK$43.71M · min. income ≈ HK$423,694/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,653,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,771
−HK$11,981/mo
▼ 0.25% · 3.875%
HK$227,719
−HK$6,033/mo
Today · 4.125%
HK$233,752
baseline
▲ 0.50% · 4.625%
HK$246,074
+HK$12,322/mo
Deposit HK$18.73M · loan HK$43.71M · min. income ≈ HK$467,504/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,653,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,302
−HK$16,073/mo
▼ 0.25% · 3.875%
HK$264,275
−HK$8,100/mo
Today · 4.125%
HK$272,375
baseline
▲ 0.50% · 4.625%
HK$288,948
+HK$16,573/mo
Deposit HK$6.24M · loan HK$56.20M · min. income ≈ HK$544,750/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,653,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,134
−HK$15,405/mo
▼ 0.25% · 3.875%
HK$292,781
−HK$7,758/mo
Today · 4.125%
HK$300,539
baseline
▲ 0.50% · 4.625%
HK$316,381
+HK$15,842/mo
Deposit HK$6.24M · loan HK$56.20M · min. income ≈ HK$601,078/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,653,905 · Scale 2, in force from 26 Feb 2026)