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$145,314
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$149,834
−HK$4,592/mo
Today · 4.125%
HK$154,426
baseline
▲ 0.50% · 4.625%
HK$163,823
+HK$9,397/mo
Deposit HK$31.86M · loan HK$31.86M · min. income ≈ HK$308,852/mo (50% DSR)
Upfront cash ≈ HK$34.57M (deposit + AVD stamp duty HK$2,708,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,660
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$165,996
−HK$4,398/mo
Today · 4.125%
HK$170,394
baseline
▲ 0.50% · 4.625%
HK$179,376
+HK$8,982/mo
Deposit HK$31.86M · loan HK$31.86M · min. income ≈ HK$340,788/mo (50% DSR)
Upfront cash ≈ HK$34.57M (deposit + AVD stamp duty HK$2,708,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,377
−HK$10,935/mo
▼ 0.25% · 3.875%
HK$179,801
−HK$5,511/mo
Today · 4.125%
HK$185,312
baseline
▲ 0.50% · 4.625%
HK$196,587
+HK$11,275/mo
Deposit HK$25.49M · loan HK$38.24M · min. income ≈ HK$370,624/mo (50% DSR)
Upfront cash ≈ HK$28.20M (deposit + AVD stamp duty HK$2,708,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,992
−HK$10,481/mo
▼ 0.25% · 3.875%
HK$199,195
−HK$5,278/mo
Today · 4.125%
HK$204,473
baseline
▲ 0.50% · 4.625%
HK$215,251
+HK$10,778/mo
Deposit HK$25.49M · loan HK$38.24M · min. income ≈ HK$408,946/mo (50% DSR)
Upfront cash ≈ HK$28.20M (deposit + AVD stamp duty HK$2,708,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,440
−HK$12,757/mo
▼ 0.25% · 3.875%
HK$209,768
−HK$6,429/mo
Today · 4.125%
HK$216,197
baseline
▲ 0.50% · 4.625%
HK$229,352
+HK$13,155/mo
Deposit HK$19.12M · loan HK$44.61M · min. income ≈ HK$432,394/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$2,708,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,324
−HK$12,228/mo
▼ 0.25% · 3.875%
HK$232,394
−HK$6,158/mo
Today · 4.125%
HK$238,552
baseline
▲ 0.50% · 4.625%
HK$251,126
+HK$12,574/mo
Deposit HK$19.12M · loan HK$44.61M · min. income ≈ HK$477,104/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$2,708,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,565
−HK$16,403/mo
▼ 0.25% · 3.875%
HK$269,701
−HK$8,267/mo
Today · 4.125%
HK$277,968
baseline
▲ 0.50% · 4.625%
HK$294,881
+HK$16,913/mo
Deposit HK$6.37M · loan HK$57.35M · min. income ≈ HK$555,936/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,708,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,989
−HK$15,721/mo
▼ 0.25% · 3.875%
HK$298,793
−HK$7,917/mo
Today · 4.125%
HK$306,710
baseline
▲ 0.50% · 4.625%
HK$322,877
+HK$16,167/mo
Deposit HK$6.37M · loan HK$57.35M · min. income ≈ HK$613,420/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$2,708,399 · Scale 2, in force from 26 Feb 2026)