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$144,688
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$149,188
−HK$4,573/mo
Today · 4.125%
HK$153,761
baseline
▲ 0.50% · 4.625%
HK$163,117
+HK$9,356/mo
Deposit HK$31.73M · loan HK$31.73M · min. income ≈ HK$307,522/mo (50% DSR)
Upfront cash ≈ HK$34.42M (deposit + AVD stamp duty HK$2,696,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,964
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$165,281
−HK$4,379/mo
Today · 4.125%
HK$169,660
baseline
▲ 0.50% · 4.625%
HK$178,603
+HK$8,943/mo
Deposit HK$31.73M · loan HK$31.73M · min. income ≈ HK$339,320/mo (50% DSR)
Upfront cash ≈ HK$34.42M (deposit + AVD stamp duty HK$2,696,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,625
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$179,026
−HK$5,487/mo
Today · 4.125%
HK$184,513
baseline
▲ 0.50% · 4.625%
HK$195,740
+HK$11,227/mo
Deposit HK$25.38M · loan HK$38.07M · min. income ≈ HK$369,026/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,696,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,156
−HK$10,436/mo
▼ 0.25% · 3.875%
HK$198,337
−HK$5,255/mo
Today · 4.125%
HK$203,592
baseline
▲ 0.50% · 4.625%
HK$214,324
+HK$10,732/mo
Deposit HK$25.38M · loan HK$38.07M · min. income ≈ HK$407,184/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,696,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,563
−HK$12,702/mo
▼ 0.25% · 3.875%
HK$208,864
−HK$6,401/mo
Today · 4.125%
HK$215,265
baseline
▲ 0.50% · 4.625%
HK$228,364
+HK$13,099/mo
Deposit HK$19.04M · loan HK$44.42M · min. income ≈ HK$430,530/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,696,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,349
−HK$12,175/mo
▼ 0.25% · 3.875%
HK$231,393
−HK$6,131/mo
Today · 4.125%
HK$237,524
baseline
▲ 0.50% · 4.625%
HK$250,044
+HK$12,520/mo
Deposit HK$19.04M · loan HK$44.42M · min. income ≈ HK$475,048/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,696,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,438
−HK$16,332/mo
▼ 0.25% · 3.875%
HK$268,539
−HK$8,231/mo
Today · 4.125%
HK$276,770
baseline
▲ 0.50% · 4.625%
HK$293,610
+HK$16,840/mo
Deposit HK$6.35M · loan HK$57.11M · min. income ≈ HK$553,540/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,696,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,734
−HK$15,654/mo
▼ 0.25% · 3.875%
HK$297,505
−HK$7,883/mo
Today · 4.125%
HK$305,388
baseline
▲ 0.50% · 4.625%
HK$321,485
+HK$16,097/mo
Deposit HK$6.35M · loan HK$57.11M · min. income ≈ HK$610,776/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,696,726 · Scale 2, in force from 26 Feb 2026)