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$142,146
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,567
−HK$4,493/mo
Today · 4.125%
HK$151,060
baseline
▲ 0.50% · 4.625%
HK$160,251
+HK$9,191/mo
Deposit HK$31.17M · loan HK$31.17M · min. income ≈ HK$302,120/mo (50% DSR)
Upfront cash ≈ HK$33.82M (deposit + AVD stamp duty HK$2,649,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,136
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$162,377
−HK$4,302/mo
Today · 4.125%
HK$166,679
baseline
▲ 0.50% · 4.625%
HK$175,465
+HK$8,786/mo
Deposit HK$31.17M · loan HK$31.17M · min. income ≈ HK$333,358/mo (50% DSR)
Upfront cash ≈ HK$33.82M (deposit + AVD stamp duty HK$2,649,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,575
−HK$10,696/mo
▼ 0.25% · 3.875%
HK$175,881
−HK$5,390/mo
Today · 4.125%
HK$181,271
baseline
▲ 0.50% · 4.625%
HK$192,301
+HK$11,030/mo
Deposit HK$24.94M · loan HK$37.40M · min. income ≈ HK$362,542/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,649,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,763
−HK$10,252/mo
▼ 0.25% · 3.875%
HK$194,852
−HK$5,163/mo
Today · 4.125%
HK$200,015
baseline
▲ 0.50% · 4.625%
HK$210,558
+HK$10,543/mo
Deposit HK$24.94M · loan HK$37.40M · min. income ≈ HK$400,030/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,649,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,004
−HK$12,479/mo
▼ 0.25% · 3.875%
HK$205,194
−HK$6,289/mo
Today · 4.125%
HK$211,483
baseline
▲ 0.50% · 4.625%
HK$224,352
+HK$12,869/mo
Deposit HK$18.70M · loan HK$43.64M · min. income ≈ HK$422,966/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,649,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,390
−HK$11,961/mo
▼ 0.25% · 3.875%
HK$227,328
−HK$6,023/mo
Today · 4.125%
HK$233,351
baseline
▲ 0.50% · 4.625%
HK$245,651
+HK$12,300/mo
Deposit HK$18.70M · loan HK$43.64M · min. income ≈ HK$466,702/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,649,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,862
−HK$16,045/mo
▼ 0.25% · 3.875%
HK$263,821
−HK$8,086/mo
Today · 4.125%
HK$271,907
baseline
▲ 0.50% · 4.625%
HK$288,452
+HK$16,545/mo
Deposit HK$6.23M · loan HK$56.10M · min. income ≈ HK$543,814/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,649,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,644
−HK$15,379/mo
▼ 0.25% · 3.875%
HK$292,278
−HK$7,745/mo
Today · 4.125%
HK$300,023
baseline
▲ 0.50% · 4.625%
HK$315,837
+HK$15,814/mo
Deposit HK$6.23M · loan HK$56.10M · min. income ≈ HK$600,046/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,649,350 · Scale 2, in force from 26 Feb 2026)