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$144,975
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$149,485
−HK$4,582/mo
Today · 4.125%
HK$154,067
baseline
▲ 0.50% · 4.625%
HK$163,441
+HK$9,374/mo
Deposit HK$31.79M · loan HK$31.79M · min. income ≈ HK$308,134/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,702,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,284
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$165,609
−HK$4,388/mo
Today · 4.125%
HK$169,997
baseline
▲ 0.50% · 4.625%
HK$178,958
+HK$8,961/mo
Deposit HK$31.79M · loan HK$31.79M · min. income ≈ HK$339,994/mo (50% DSR)
Upfront cash ≈ HK$34.49M (deposit + AVD stamp duty HK$2,702,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,971
−HK$10,909/mo
▼ 0.25% · 3.875%
HK$179,382
−HK$5,498/mo
Today · 4.125%
HK$184,880
baseline
▲ 0.50% · 4.625%
HK$196,130
+HK$11,250/mo
Deposit HK$25.43M · loan HK$38.15M · min. income ≈ HK$369,760/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,702,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,541
−HK$10,456/mo
▼ 0.25% · 3.875%
HK$198,731
−HK$5,266/mo
Today · 4.125%
HK$203,997
baseline
▲ 0.50% · 4.625%
HK$214,750
+HK$10,753/mo
Deposit HK$25.43M · loan HK$38.15M · min. income ≈ HK$407,994/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,702,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,966
−HK$12,727/mo
▼ 0.25% · 3.875%
HK$209,279
−HK$6,414/mo
Today · 4.125%
HK$215,693
baseline
▲ 0.50% · 4.625%
HK$228,818
+HK$13,125/mo
Deposit HK$19.07M · loan HK$44.51M · min. income ≈ HK$431,386/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,702,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,797
−HK$12,199/mo
▼ 0.25% · 3.875%
HK$231,853
−HK$6,143/mo
Today · 4.125%
HK$237,996
baseline
▲ 0.50% · 4.625%
HK$250,542
+HK$12,546/mo
Deposit HK$19.07M · loan HK$44.51M · min. income ≈ HK$475,992/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$2,702,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,956
−HK$16,364/mo
▼ 0.25% · 3.875%
HK$269,073
−HK$8,247/mo
Today · 4.125%
HK$277,320
baseline
▲ 0.50% · 4.625%
HK$294,194
+HK$16,874/mo
Deposit HK$6.36M · loan HK$57.22M · min. income ≈ HK$554,640/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,702,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,311
−HK$15,684/mo
▼ 0.25% · 3.875%
HK$298,097
−HK$7,898/mo
Today · 4.125%
HK$305,995
baseline
▲ 0.50% · 4.625%
HK$322,125
+HK$16,130/mo
Deposit HK$6.36M · loan HK$57.22M · min. income ≈ HK$611,990/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,702,090 · Scale 2, in force from 26 Feb 2026)