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$144,818
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$149,323
−HK$4,577/mo
Today · 4.125%
HK$153,900
baseline
▲ 0.50% · 4.625%
HK$163,264
+HK$9,364/mo
Deposit HK$31.75M · loan HK$31.75M · min. income ≈ HK$307,800/mo (50% DSR)
Upfront cash ≈ HK$34.45M (deposit + AVD stamp duty HK$2,699,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,109
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$165,430
−HK$4,383/mo
Today · 4.125%
HK$169,813
baseline
▲ 0.50% · 4.625%
HK$178,764
+HK$8,951/mo
Deposit HK$31.75M · loan HK$31.75M · min. income ≈ HK$339,626/mo (50% DSR)
Upfront cash ≈ HK$34.45M (deposit + AVD stamp duty HK$2,699,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,782
−HK$10,898/mo
▼ 0.25% · 3.875%
HK$179,188
−HK$5,492/mo
Today · 4.125%
HK$184,680
baseline
▲ 0.50% · 4.625%
HK$195,917
+HK$11,237/mo
Deposit HK$25.40M · loan HK$38.11M · min. income ≈ HK$369,360/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,699,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,331
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$198,516
−HK$5,260/mo
Today · 4.125%
HK$203,776
baseline
▲ 0.50% · 4.625%
HK$214,517
+HK$10,741/mo
Deposit HK$25.40M · loan HK$38.11M · min. income ≈ HK$407,552/mo (50% DSR)
Upfront cash ≈ HK$28.10M (deposit + AVD stamp duty HK$2,699,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,746
−HK$12,714/mo
▼ 0.25% · 3.875%
HK$209,052
−HK$6,408/mo
Today · 4.125%
HK$215,460
baseline
▲ 0.50% · 4.625%
HK$228,570
+HK$13,110/mo
Deposit HK$19.05M · loan HK$44.46M · min. income ≈ HK$430,920/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,699,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,553
−HK$12,186/mo
▼ 0.25% · 3.875%
HK$231,602
−HK$6,137/mo
Today · 4.125%
HK$237,739
baseline
▲ 0.50% · 4.625%
HK$250,270
+HK$12,531/mo
Deposit HK$19.05M · loan HK$44.46M · min. income ≈ HK$475,478/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$2,699,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,673
−HK$16,347/mo
▼ 0.25% · 3.875%
HK$268,782
−HK$8,238/mo
Today · 4.125%
HK$277,020
baseline
▲ 0.50% · 4.625%
HK$293,876
+HK$16,856/mo
Deposit HK$6.35M · loan HK$57.16M · min. income ≈ HK$554,040/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$2,699,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,996
−HK$15,668/mo
▼ 0.25% · 3.875%
HK$297,774
−HK$7,890/mo
Today · 4.125%
HK$305,664
baseline
▲ 0.50% · 4.625%
HK$321,776
+HK$16,112/mo
Deposit HK$6.35M · loan HK$57.16M · min. income ≈ HK$611,328/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$2,699,163 · Scale 2, in force from 26 Feb 2026)