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$144,754
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$149,257
−HK$4,574/mo
Today · 4.125%
HK$153,831
baseline
▲ 0.50% · 4.625%
HK$163,191
+HK$9,360/mo
Deposit HK$31.74M · loan HK$31.74M · min. income ≈ HK$307,662/mo (50% DSR)
Upfront cash ≈ HK$34.44M (deposit + AVD stamp duty HK$2,697,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,037
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$165,356
−HK$4,382/mo
Today · 4.125%
HK$169,738
baseline
▲ 0.50% · 4.625%
HK$178,685
+HK$8,947/mo
Deposit HK$31.74M · loan HK$31.74M · min. income ≈ HK$339,476/mo (50% DSR)
Upfront cash ≈ HK$34.44M (deposit + AVD stamp duty HK$2,697,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,705
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$179,108
−HK$5,489/mo
Today · 4.125%
HK$184,597
baseline
▲ 0.50% · 4.625%
HK$195,830
+HK$11,233/mo
Deposit HK$25.39M · loan HK$38.09M · min. income ≈ HK$369,194/mo (50% DSR)
Upfront cash ≈ HK$28.09M (deposit + AVD stamp duty HK$2,697,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,245
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$198,427
−HK$5,258/mo
Today · 4.125%
HK$203,685
baseline
▲ 0.50% · 4.625%
HK$214,422
+HK$10,737/mo
Deposit HK$25.39M · loan HK$38.09M · min. income ≈ HK$407,370/mo (50% DSR)
Upfront cash ≈ HK$28.09M (deposit + AVD stamp duty HK$2,697,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,655
−HK$12,709/mo
▼ 0.25% · 3.875%
HK$208,959
−HK$6,405/mo
Today · 4.125%
HK$215,364
baseline
▲ 0.50% · 4.625%
HK$228,468
+HK$13,104/mo
Deposit HK$19.04M · loan HK$44.44M · min. income ≈ HK$430,728/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$2,697,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,452
−HK$12,181/mo
▼ 0.25% · 3.875%
HK$231,499
−HK$6,134/mo
Today · 4.125%
HK$237,633
baseline
▲ 0.50% · 4.625%
HK$250,159
+HK$12,526/mo
Deposit HK$19.04M · loan HK$44.44M · min. income ≈ HK$475,266/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$2,697,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,557
−HK$16,339/mo
▼ 0.25% · 3.875%
HK$268,662
−HK$8,234/mo
Today · 4.125%
HK$276,896
baseline
▲ 0.50% · 4.625%
HK$293,745
+HK$16,849/mo
Deposit HK$6.35M · loan HK$57.13M · min. income ≈ HK$553,792/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$2,697,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,867
−HK$15,661/mo
▼ 0.25% · 3.875%
HK$297,641
−HK$7,887/mo
Today · 4.125%
HK$305,528
baseline
▲ 0.50% · 4.625%
HK$321,632
+HK$16,104/mo
Deposit HK$6.35M · loan HK$57.13M · min. income ≈ HK$611,056/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$2,697,960 · Scale 2, in force from 26 Feb 2026)