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$142,235
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$146,659
−HK$4,495/mo
Today · 4.125%
HK$151,154
baseline
▲ 0.50% · 4.625%
HK$160,351
+HK$9,197/mo
Deposit HK$31.19M · loan HK$31.19M · min. income ≈ HK$302,308/mo (50% DSR)
Upfront cash ≈ HK$33.84M (deposit + AVD stamp duty HK$2,651,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,235
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$162,478
−HK$4,306/mo
Today · 4.125%
HK$166,784
baseline
▲ 0.50% · 4.625%
HK$175,575
+HK$8,791/mo
Deposit HK$31.19M · loan HK$31.19M · min. income ≈ HK$333,568/mo (50% DSR)
Upfront cash ≈ HK$33.84M (deposit + AVD stamp duty HK$2,651,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,682
−HK$10,703/mo
▼ 0.25% · 3.875%
HK$175,991
−HK$5,394/mo
Today · 4.125%
HK$181,385
baseline
▲ 0.50% · 4.625%
HK$192,422
+HK$11,037/mo
Deposit HK$24.95M · loan HK$37.43M · min. income ≈ HK$362,770/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,651,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,882
−HK$10,258/mo
▼ 0.25% · 3.875%
HK$194,974
−HK$5,166/mo
Today · 4.125%
HK$200,140
baseline
▲ 0.50% · 4.625%
HK$210,690
+HK$10,550/mo
Deposit HK$24.95M · loan HK$37.43M · min. income ≈ HK$400,280/mo (50% DSR)
Upfront cash ≈ HK$27.60M (deposit + AVD stamp duty HK$2,651,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,129
−HK$12,487/mo
▼ 0.25% · 3.875%
HK$205,323
−HK$6,293/mo
Today · 4.125%
HK$211,616
baseline
▲ 0.50% · 4.625%
HK$224,492
+HK$12,876/mo
Deposit HK$18.71M · loan HK$43.66M · min. income ≈ HK$423,232/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,651,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,529
−HK$11,968/mo
▼ 0.25% · 3.875%
HK$227,470
−HK$6,027/mo
Today · 4.125%
HK$233,497
baseline
▲ 0.50% · 4.625%
HK$245,805
+HK$12,308/mo
Deposit HK$18.71M · loan HK$43.66M · min. income ≈ HK$466,994/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,651,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,022
−HK$16,055/mo
▼ 0.25% · 3.875%
HK$263,986
−HK$8,091/mo
Today · 4.125%
HK$272,077
baseline
▲ 0.50% · 4.625%
HK$288,633
+HK$16,556/mo
Deposit HK$6.24M · loan HK$56.14M · min. income ≈ HK$544,154/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,651,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,822
−HK$15,388/mo
▼ 0.25% · 3.875%
HK$292,461
−HK$7,749/mo
Today · 4.125%
HK$300,210
baseline
▲ 0.50% · 4.625%
HK$316,035
+HK$15,825/mo
Deposit HK$6.24M · loan HK$56.14M · min. income ≈ HK$600,420/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,651,007 · Scale 2, in force from 26 Feb 2026)