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$146,855
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$151,423
−HK$4,642/mo
Today · 4.125%
HK$156,065
baseline
▲ 0.50% · 4.625%
HK$165,561
+HK$9,496/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$312,130/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,737,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,375
−HK$8,827/mo
▼ 0.25% · 3.875%
HK$167,757
−HK$4,445/mo
Today · 4.125%
HK$172,202
baseline
▲ 0.50% · 4.625%
HK$181,279
+HK$9,077/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$344,404/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,737,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,226
−HK$11,051/mo
▼ 0.25% · 3.875%
HK$181,708
−HK$5,569/mo
Today · 4.125%
HK$187,277
baseline
▲ 0.50% · 4.625%
HK$198,673
+HK$11,396/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$374,554/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,737,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,050
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,308
−HK$5,334/mo
Today · 4.125%
HK$206,642
baseline
▲ 0.50% · 4.625%
HK$217,535
+HK$10,893/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$413,284/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,737,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,598
−HK$12,892/mo
▼ 0.25% · 3.875%
HK$211,993
−HK$6,497/mo
Today · 4.125%
HK$218,490
baseline
▲ 0.50% · 4.625%
HK$231,785
+HK$13,295/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$436,980/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,725
−HK$12,357/mo
▼ 0.25% · 3.875%
HK$234,859
−HK$6,223/mo
Today · 4.125%
HK$241,082
baseline
▲ 0.50% · 4.625%
HK$253,790
+HK$12,708/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$482,164/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,737,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,340
−HK$16,576/mo
▼ 0.25% · 3.875%
HK$272,562
−HK$8,354/mo
Today · 4.125%
HK$280,916
baseline
▲ 0.50% · 4.625%
HK$298,009
+HK$17,093/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$561,832/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,075
−HK$15,888/mo
▼ 0.25% · 3.875%
HK$301,962
−HK$8,001/mo
Today · 4.125%
HK$309,963
baseline
▲ 0.50% · 4.625%
HK$326,302
+HK$16,339/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$619,926/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,737,128 · Scale 2, in force from 26 Feb 2026)