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$143,357
−HK$8,989/mo
▼ 0.25% · 3.875%
HK$147,816
−HK$4,530/mo
Today · 4.125%
HK$152,346
baseline
▲ 0.50% · 4.625%
HK$161,616
+HK$9,270/mo
Deposit HK$31.43M · loan HK$31.43M · min. income ≈ HK$304,692/mo (50% DSR)
Upfront cash ≈ HK$34.11M (deposit + AVD stamp duty HK$2,671,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,483
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$163,760
−HK$4,339/mo
Today · 4.125%
HK$168,099
baseline
▲ 0.50% · 4.625%
HK$176,960
+HK$8,861/mo
Deposit HK$31.43M · loan HK$31.43M · min. income ≈ HK$336,198/mo (50% DSR)
Upfront cash ≈ HK$34.11M (deposit + AVD stamp duty HK$2,671,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,028
−HK$10,788/mo
▼ 0.25% · 3.875%
HK$177,379
−HK$5,437/mo
Today · 4.125%
HK$182,816
baseline
▲ 0.50% · 4.625%
HK$193,940
+HK$11,124/mo
Deposit HK$25.15M · loan HK$37.72M · min. income ≈ HK$365,632/mo (50% DSR)
Upfront cash ≈ HK$27.82M (deposit + AVD stamp duty HK$2,671,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,379
−HK$10,340/mo
▼ 0.25% · 3.875%
HK$196,512
−HK$5,207/mo
Today · 4.125%
HK$201,719
baseline
▲ 0.50% · 4.625%
HK$212,352
+HK$10,633/mo
Deposit HK$25.15M · loan HK$37.72M · min. income ≈ HK$403,438/mo (50% DSR)
Upfront cash ≈ HK$27.82M (deposit + AVD stamp duty HK$2,671,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,699
−HK$12,586/mo
▼ 0.25% · 3.875%
HK$206,942
−HK$6,343/mo
Today · 4.125%
HK$213,285
baseline
▲ 0.50% · 4.625%
HK$226,263
+HK$12,978/mo
Deposit HK$18.86M · loan HK$44.01M · min. income ≈ HK$426,570/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,671,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,276
−HK$12,063/mo
▼ 0.25% · 3.875%
HK$229,264
−HK$6,075/mo
Today · 4.125%
HK$235,339
baseline
▲ 0.50% · 4.625%
HK$247,744
+HK$12,405/mo
Deposit HK$18.86M · loan HK$44.01M · min. income ≈ HK$470,678/mo (50% DSR)
Upfront cash ≈ HK$21.53M (deposit + AVD stamp duty HK$2,671,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,042
−HK$16,182/mo
▼ 0.25% · 3.875%
HK$266,069
−HK$8,155/mo
Today · 4.125%
HK$274,224
baseline
▲ 0.50% · 4.625%
HK$290,909
+HK$16,685/mo
Deposit HK$6.29M · loan HK$56.58M · min. income ≈ HK$548,448/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$2,671,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,069
−HK$15,510/mo
▼ 0.25% · 3.875%
HK$294,768
−HK$7,811/mo
Today · 4.125%
HK$302,579
baseline
▲ 0.50% · 4.625%
HK$318,528
+HK$15,949/mo
Deposit HK$6.29M · loan HK$56.58M · min. income ≈ HK$605,158/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$2,671,919 · Scale 2, in force from 26 Feb 2026)