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$144,602
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$149,100
−HK$4,570/mo
Today · 4.125%
HK$153,670
baseline
▲ 0.50% · 4.625%
HK$163,020
+HK$9,350/mo
Deposit HK$31.71M · loan HK$31.71M · min. income ≈ HK$307,340/mo (50% DSR)
Upfront cash ≈ HK$34.40M (deposit + AVD stamp duty HK$2,695,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,868
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$165,183
−HK$4,376/mo
Today · 4.125%
HK$169,559
baseline
▲ 0.50% · 4.625%
HK$178,497
+HK$8,938/mo
Deposit HK$31.71M · loan HK$31.71M · min. income ≈ HK$339,118/mo (50% DSR)
Upfront cash ≈ HK$34.40M (deposit + AVD stamp duty HK$2,695,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,522
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$178,920
−HK$5,484/mo
Today · 4.125%
HK$184,404
baseline
▲ 0.50% · 4.625%
HK$195,624
+HK$11,220/mo
Deposit HK$25.37M · loan HK$38.05M · min. income ≈ HK$368,808/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,695,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,042
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$198,219
−HK$5,252/mo
Today · 4.125%
HK$203,471
baseline
▲ 0.50% · 4.625%
HK$214,196
+HK$10,725/mo
Deposit HK$25.37M · loan HK$38.05M · min. income ≈ HK$406,942/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,695,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,443
−HK$12,695/mo
▼ 0.25% · 3.875%
HK$208,740
−HK$6,398/mo
Today · 4.125%
HK$215,138
baseline
▲ 0.50% · 4.625%
HK$228,228
+HK$13,090/mo
Deposit HK$19.02M · loan HK$44.39M · min. income ≈ HK$430,276/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,695,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,215
−HK$12,168/mo
▼ 0.25% · 3.875%
HK$231,256
−HK$6,127/mo
Today · 4.125%
HK$237,383
baseline
▲ 0.50% · 4.625%
HK$249,896
+HK$12,513/mo
Deposit HK$19.02M · loan HK$44.39M · min. income ≈ HK$474,766/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,695,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,283
−HK$16,322/mo
▼ 0.25% · 3.875%
HK$268,380
−HK$8,225/mo
Today · 4.125%
HK$276,605
baseline
▲ 0.50% · 4.625%
HK$293,436
+HK$16,831/mo
Deposit HK$6.34M · loan HK$57.07M · min. income ≈ HK$553,210/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,695,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,563
−HK$15,644/mo
▼ 0.25% · 3.875%
HK$297,329
−HK$7,878/mo
Today · 4.125%
HK$305,207
baseline
▲ 0.50% · 4.625%
HK$321,295
+HK$16,088/mo
Deposit HK$6.34M · loan HK$57.07M · min. income ≈ HK$610,414/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,695,127 · Scale 2, in force from 26 Feb 2026)