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$143,945
−HK$9,026/mo
▼ 0.25% · 3.875%
HK$148,422
−HK$4,549/mo
Today · 4.125%
HK$152,971
baseline
▲ 0.50% · 4.625%
HK$162,279
+HK$9,308/mo
Deposit HK$31.56M · loan HK$31.56M · min. income ≈ HK$305,942/mo (50% DSR)
Upfront cash ≈ HK$34.25M (deposit + AVD stamp duty HK$2,682,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,137
−HK$8,652/mo
▼ 0.25% · 3.875%
HK$164,432
−HK$4,357/mo
Today · 4.125%
HK$168,789
baseline
▲ 0.50% · 4.625%
HK$177,686
+HK$8,897/mo
Deposit HK$31.56M · loan HK$31.56M · min. income ≈ HK$337,578/mo (50% DSR)
Upfront cash ≈ HK$34.25M (deposit + AVD stamp duty HK$2,682,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,734
−HK$10,832/mo
▼ 0.25% · 3.875%
HK$178,107
−HK$5,459/mo
Today · 4.125%
HK$183,566
baseline
▲ 0.50% · 4.625%
HK$194,735
+HK$11,169/mo
Deposit HK$25.25M · loan HK$37.88M · min. income ≈ HK$367,132/mo (50% DSR)
Upfront cash ≈ HK$27.93M (deposit + AVD stamp duty HK$2,682,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,165
−HK$10,382/mo
▼ 0.25% · 3.875%
HK$197,318
−HK$5,229/mo
Today · 4.125%
HK$202,547
baseline
▲ 0.50% · 4.625%
HK$213,223
+HK$10,676/mo
Deposit HK$25.25M · loan HK$37.88M · min. income ≈ HK$405,094/mo (50% DSR)
Upfront cash ≈ HK$27.93M (deposit + AVD stamp duty HK$2,682,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,523
−HK$12,637/mo
▼ 0.25% · 3.875%
HK$207,791
−HK$6,369/mo
Today · 4.125%
HK$214,160
baseline
▲ 0.50% · 4.625%
HK$227,191
+HK$13,031/mo
Deposit HK$18.94M · loan HK$44.19M · min. income ≈ HK$428,320/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,682,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,192
−HK$12,112/mo
▼ 0.25% · 3.875%
HK$230,205
−HK$6,099/mo
Today · 4.125%
HK$236,304
baseline
▲ 0.50% · 4.625%
HK$248,760
+HK$12,456/mo
Deposit HK$18.94M · loan HK$44.19M · min. income ≈ HK$472,608/mo (50% DSR)
Upfront cash ≈ HK$21.62M (deposit + AVD stamp duty HK$2,682,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,101
−HK$16,248/mo
▼ 0.25% · 3.875%
HK$267,160
−HK$8,189/mo
Today · 4.125%
HK$275,349
baseline
▲ 0.50% · 4.625%
HK$292,103
+HK$16,754/mo
Deposit HK$6.31M · loan HK$56.81M · min. income ≈ HK$550,698/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$2,682,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,247
−HK$15,573/mo
▼ 0.25% · 3.875%
HK$295,978
−HK$7,842/mo
Today · 4.125%
HK$303,820
baseline
▲ 0.50% · 4.625%
HK$319,835
+HK$16,015/mo
Deposit HK$6.31M · loan HK$56.81M · min. income ≈ HK$607,640/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$2,682,881 · Scale 2, in force from 26 Feb 2026)