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$141,935
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$146,350
−HK$4,486/mo
Today · 4.125%
HK$150,836
baseline
▲ 0.50% · 4.625%
HK$160,013
+HK$9,177/mo
Deposit HK$31.12M · loan HK$31.12M · min. income ≈ HK$301,672/mo (50% DSR)
Upfront cash ≈ HK$33.77M (deposit + AVD stamp duty HK$2,645,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,901
−HK$8,531/mo
▼ 0.25% · 3.875%
HK$162,136
−HK$4,296/mo
Today · 4.125%
HK$166,432
baseline
▲ 0.50% · 4.625%
HK$175,205
+HK$8,773/mo
Deposit HK$31.12M · loan HK$31.12M · min. income ≈ HK$332,864/mo (50% DSR)
Upfront cash ≈ HK$33.77M (deposit + AVD stamp duty HK$2,645,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,322
−HK$10,681/mo
▼ 0.25% · 3.875%
HK$175,620
−HK$5,383/mo
Today · 4.125%
HK$181,003
baseline
▲ 0.50% · 4.625%
HK$192,016
+HK$11,013/mo
Deposit HK$24.90M · loan HK$37.35M · min. income ≈ HK$362,006/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,645,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,481
−HK$10,238/mo
▼ 0.25% · 3.875%
HK$194,563
−HK$5,156/mo
Today · 4.125%
HK$199,719
baseline
▲ 0.50% · 4.625%
HK$210,246
+HK$10,527/mo
Deposit HK$24.90M · loan HK$37.35M · min. income ≈ HK$399,438/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,645,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,709
−HK$12,461/mo
▼ 0.25% · 3.875%
HK$204,890
−HK$6,280/mo
Today · 4.125%
HK$211,170
baseline
▲ 0.50% · 4.625%
HK$224,019
+HK$12,849/mo
Deposit HK$18.67M · loan HK$43.57M · min. income ≈ HK$422,340/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,645,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,062
−HK$11,943/mo
▼ 0.25% · 3.875%
HK$226,990
−HK$6,015/mo
Today · 4.125%
HK$233,005
baseline
▲ 0.50% · 4.625%
HK$245,287
+HK$12,282/mo
Deposit HK$18.67M · loan HK$43.57M · min. income ≈ HK$466,010/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,645,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,483
−HK$16,021/mo
▼ 0.25% · 3.875%
HK$263,430
−HK$8,074/mo
Today · 4.125%
HK$271,504
baseline
▲ 0.50% · 4.625%
HK$288,024
+HK$16,520/mo
Deposit HK$6.22M · loan HK$56.02M · min. income ≈ HK$543,008/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,645,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,222
−HK$15,356/mo
▼ 0.25% · 3.875%
HK$291,845
−HK$7,733/mo
Today · 4.125%
HK$299,578
baseline
▲ 0.50% · 4.625%
HK$315,369
+HK$15,791/mo
Deposit HK$6.22M · loan HK$56.02M · min. income ≈ HK$599,156/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,645,420 · Scale 2, in force from 26 Feb 2026)