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$143,632
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$148,100
−HK$4,539/mo
Today · 4.125%
HK$152,639
baseline
▲ 0.50% · 4.625%
HK$161,927
+HK$9,288/mo
Deposit HK$31.49M · loan HK$31.49M · min. income ≈ HK$305,278/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$2,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,790
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$164,075
−HK$4,348/mo
Today · 4.125%
HK$168,423
baseline
▲ 0.50% · 4.625%
HK$177,300
+HK$8,877/mo
Deposit HK$31.49M · loan HK$31.49M · min. income ≈ HK$336,846/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$2,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,359
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$177,720
−HK$5,447/mo
Today · 4.125%
HK$183,167
baseline
▲ 0.50% · 4.625%
HK$194,313
+HK$11,146/mo
Deposit HK$25.20M · loan HK$37.79M · min. income ≈ HK$366,334/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,748
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$196,890
−HK$5,217/mo
Today · 4.125%
HK$202,107
baseline
▲ 0.50% · 4.625%
HK$212,760
+HK$10,653/mo
Deposit HK$25.20M · loan HK$37.79M · min. income ≈ HK$404,214/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,085
−HK$12,610/mo
▼ 0.25% · 3.875%
HK$207,340
−HK$6,355/mo
Today · 4.125%
HK$213,695
baseline
▲ 0.50% · 4.625%
HK$226,698
+HK$13,003/mo
Deposit HK$18.90M · loan HK$44.09M · min. income ≈ HK$427,390/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$2,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,705
−HK$12,087/mo
▼ 0.25% · 3.875%
HK$229,705
−HK$6,087/mo
Today · 4.125%
HK$235,792
baseline
▲ 0.50% · 4.625%
HK$248,220
+HK$12,428/mo
Deposit HK$18.90M · loan HK$44.09M · min. income ≈ HK$471,584/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$2,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,538
−HK$16,213/mo
▼ 0.25% · 3.875%
HK$266,580
−HK$8,171/mo
Today · 4.125%
HK$274,751
baseline
▲ 0.50% · 4.625%
HK$291,469
+HK$16,718/mo
Deposit HK$6.30M · loan HK$56.69M · min. income ≈ HK$549,502/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,677,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,621
−HK$15,540/mo
▼ 0.25% · 3.875%
HK$295,335
−HK$7,826/mo
Today · 4.125%
HK$303,161
baseline
▲ 0.50% · 4.625%
HK$319,141
+HK$15,980/mo
Deposit HK$6.30M · loan HK$56.69M · min. income ≈ HK$606,322/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,677,058 · Scale 2, in force from 26 Feb 2026)