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$143,706
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$148,176
−HK$4,542/mo
Today · 4.125%
HK$152,718
baseline
▲ 0.50% · 4.625%
HK$162,011
+HK$9,293/mo
Deposit HK$31.51M · loan HK$31.51M · min. income ≈ HK$305,436/mo (50% DSR)
Upfront cash ≈ HK$34.19M (deposit + AVD stamp duty HK$2,678,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,872
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$164,160
−HK$4,349/mo
Today · 4.125%
HK$168,509
baseline
▲ 0.50% · 4.625%
HK$177,392
+HK$8,883/mo
Deposit HK$31.51M · loan HK$31.51M · min. income ≈ HK$337,018/mo (50% DSR)
Upfront cash ≈ HK$34.19M (deposit + AVD stamp duty HK$2,678,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,448
−HK$10,814/mo
▼ 0.25% · 3.875%
HK$177,812
−HK$5,450/mo
Today · 4.125%
HK$183,262
baseline
▲ 0.50% · 4.625%
HK$194,413
+HK$11,151/mo
Deposit HK$25.21M · loan HK$37.81M · min. income ≈ HK$366,524/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,678,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,846
−HK$10,365/mo
▼ 0.25% · 3.875%
HK$196,991
−HK$5,220/mo
Today · 4.125%
HK$202,211
baseline
▲ 0.50% · 4.625%
HK$212,870
+HK$10,659/mo
Deposit HK$25.21M · loan HK$37.81M · min. income ≈ HK$404,422/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,678,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,189
−HK$12,616/mo
▼ 0.25% · 3.875%
HK$207,447
−HK$6,358/mo
Today · 4.125%
HK$213,805
baseline
▲ 0.50% · 4.625%
HK$226,815
+HK$13,010/mo
Deposit HK$18.91M · loan HK$44.12M · min. income ≈ HK$427,610/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,678,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,821
−HK$12,092/mo
▼ 0.25% · 3.875%
HK$229,823
−HK$6,090/mo
Today · 4.125%
HK$235,913
baseline
▲ 0.50% · 4.625%
HK$248,348
+HK$12,435/mo
Deposit HK$18.91M · loan HK$44.12M · min. income ≈ HK$471,826/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$2,678,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,671
−HK$16,221/mo
▼ 0.25% · 3.875%
HK$266,718
−HK$8,174/mo
Today · 4.125%
HK$274,892
baseline
▲ 0.50% · 4.625%
HK$291,619
+HK$16,727/mo
Deposit HK$6.30M · loan HK$56.72M · min. income ≈ HK$549,784/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,678,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,769
−HK$15,548/mo
▼ 0.25% · 3.875%
HK$295,487
−HK$7,830/mo
Today · 4.125%
HK$303,317
baseline
▲ 0.50% · 4.625%
HK$319,305
+HK$15,988/mo
Deposit HK$6.30M · loan HK$56.72M · min. income ≈ HK$606,634/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,678,436 · Scale 2, in force from 26 Feb 2026)