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$143,794
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$148,267
−HK$4,545/mo
Today · 4.125%
HK$152,812
baseline
▲ 0.50% · 4.625%
HK$162,110
+HK$9,298/mo
Deposit HK$31.53M · loan HK$31.53M · min. income ≈ HK$305,624/mo (50% DSR)
Upfront cash ≈ HK$34.21M (deposit + AVD stamp duty HK$2,680,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,970
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$164,260
−HK$4,352/mo
Today · 4.125%
HK$168,612
baseline
▲ 0.50% · 4.625%
HK$177,500
+HK$8,888/mo
Deposit HK$31.53M · loan HK$31.53M · min. income ≈ HK$337,224/mo (50% DSR)
Upfront cash ≈ HK$34.21M (deposit + AVD stamp duty HK$2,680,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,553
−HK$10,821/mo
▼ 0.25% · 3.875%
HK$177,921
−HK$5,453/mo
Today · 4.125%
HK$183,374
baseline
▲ 0.50% · 4.625%
HK$194,532
+HK$11,158/mo
Deposit HK$25.22M · loan HK$37.84M · min. income ≈ HK$366,748/mo (50% DSR)
Upfront cash ≈ HK$27.90M (deposit + AVD stamp duty HK$2,680,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,964
−HK$10,371/mo
▼ 0.25% · 3.875%
HK$197,112
−HK$5,223/mo
Today · 4.125%
HK$202,335
baseline
▲ 0.50% · 4.625%
HK$213,000
+HK$10,665/mo
Deposit HK$25.22M · loan HK$37.84M · min. income ≈ HK$404,670/mo (50% DSR)
Upfront cash ≈ HK$27.90M (deposit + AVD stamp duty HK$2,680,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,312
−HK$12,624/mo
▼ 0.25% · 3.875%
HK$207,574
−HK$6,362/mo
Today · 4.125%
HK$213,936
baseline
▲ 0.50% · 4.625%
HK$226,954
+HK$13,018/mo
Deposit HK$18.92M · loan HK$44.14M · min. income ≈ HK$427,872/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$2,680,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,958
−HK$12,099/mo
▼ 0.25% · 3.875%
HK$229,964
−HK$6,093/mo
Today · 4.125%
HK$236,057
baseline
▲ 0.50% · 4.625%
HK$248,500
+HK$12,443/mo
Deposit HK$18.92M · loan HK$44.14M · min. income ≈ HK$472,114/mo (50% DSR)
Upfront cash ≈ HK$21.60M (deposit + AVD stamp duty HK$2,680,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,830
−HK$16,231/mo
▼ 0.25% · 3.875%
HK$266,881
−HK$8,180/mo
Today · 4.125%
HK$275,061
baseline
▲ 0.50% · 4.625%
HK$291,798
+HK$16,737/mo
Deposit HK$6.31M · loan HK$56.75M · min. income ≈ HK$550,122/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$2,680,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,946
−HK$15,556/mo
▼ 0.25% · 3.875%
HK$295,668
−HK$7,834/mo
Today · 4.125%
HK$303,502
baseline
▲ 0.50% · 4.625%
HK$319,501
+HK$15,999/mo
Deposit HK$6.31M · loan HK$56.75M · min. income ≈ HK$607,004/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$2,680,077 · Scale 2, in force from 26 Feb 2026)