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$146,485
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$151,042
−HK$4,629/mo
Today · 4.125%
HK$155,671
baseline
▲ 0.50% · 4.625%
HK$165,143
+HK$9,472/mo
Deposit HK$32.12M · loan HK$32.12M · min. income ≈ HK$311,342/mo (50% DSR)
Upfront cash ≈ HK$34.85M (deposit + AVD stamp duty HK$2,730,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,963
−HK$8,805/mo
▼ 0.25% · 3.875%
HK$167,334
−HK$4,434/mo
Today · 4.125%
HK$171,768
baseline
▲ 0.50% · 4.625%
HK$180,822
+HK$9,054/mo
Deposit HK$32.12M · loan HK$32.12M · min. income ≈ HK$343,536/mo (50% DSR)
Upfront cash ≈ HK$34.85M (deposit + AVD stamp duty HK$2,730,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,782
−HK$11,023/mo
▼ 0.25% · 3.875%
HK$181,250
−HK$5,555/mo
Today · 4.125%
HK$186,805
baseline
▲ 0.50% · 4.625%
HK$198,172
+HK$11,367/mo
Deposit HK$25.70M · loan HK$38.54M · min. income ≈ HK$373,610/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,730,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,556
−HK$10,565/mo
▼ 0.25% · 3.875%
HK$200,801
−HK$5,320/mo
Today · 4.125%
HK$206,121
baseline
▲ 0.50% · 4.625%
HK$216,986
+HK$10,865/mo
Deposit HK$25.70M · loan HK$38.54M · min. income ≈ HK$412,242/mo (50% DSR)
Upfront cash ≈ HK$28.43M (deposit + AVD stamp duty HK$2,730,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,079
−HK$12,860/mo
▼ 0.25% · 3.875%
HK$211,458
−HK$6,481/mo
Today · 4.125%
HK$217,939
baseline
▲ 0.50% · 4.625%
HK$231,201
+HK$13,262/mo
Deposit HK$19.27M · loan HK$44.97M · min. income ≈ HK$435,878/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$2,730,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,149
−HK$12,326/mo
▼ 0.25% · 3.875%
HK$234,267
−HK$6,208/mo
Today · 4.125%
HK$240,475
baseline
▲ 0.50% · 4.625%
HK$253,150
+HK$12,675/mo
Deposit HK$19.27M · loan HK$44.97M · min. income ≈ HK$480,950/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$2,730,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,673
−HK$16,535/mo
▼ 0.25% · 3.875%
HK$271,875
−HK$8,333/mo
Today · 4.125%
HK$280,208
baseline
▲ 0.50% · 4.625%
HK$297,258
+HK$17,050/mo
Deposit HK$6.42M · loan HK$57.82M · min. income ≈ HK$560,416/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$2,730,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,334
−HK$15,848/mo
▼ 0.25% · 3.875%
HK$301,201
−HK$7,981/mo
Today · 4.125%
HK$309,182
baseline
▲ 0.50% · 4.625%
HK$325,479
+HK$16,297/mo
Deposit HK$6.42M · loan HK$57.82M · min. income ≈ HK$618,364/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$2,730,228 · Scale 2, in force from 26 Feb 2026)