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$144,607
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$149,105
−HK$4,570/mo
Today · 4.125%
HK$153,675
baseline
▲ 0.50% · 4.625%
HK$163,026
+HK$9,351/mo
Deposit HK$31.71M · loan HK$31.71M · min. income ≈ HK$307,350/mo (50% DSR)
Upfront cash ≈ HK$34.40M (deposit + AVD stamp duty HK$2,695,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,874
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$165,188
−HK$4,377/mo
Today · 4.125%
HK$169,565
baseline
▲ 0.50% · 4.625%
HK$178,503
+HK$8,938/mo
Deposit HK$31.71M · loan HK$31.71M · min. income ≈ HK$339,130/mo (50% DSR)
Upfront cash ≈ HK$34.40M (deposit + AVD stamp duty HK$2,695,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,528
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$178,926
−HK$5,484/mo
Today · 4.125%
HK$184,410
baseline
▲ 0.50% · 4.625%
HK$195,631
+HK$11,221/mo
Deposit HK$25.37M · loan HK$38.05M · min. income ≈ HK$368,820/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,695,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,048
−HK$10,430/mo
▼ 0.25% · 3.875%
HK$198,226
−HK$5,252/mo
Today · 4.125%
HK$203,478
baseline
▲ 0.50% · 4.625%
HK$214,204
+HK$10,726/mo
Deposit HK$25.37M · loan HK$38.05M · min. income ≈ HK$406,956/mo (50% DSR)
Upfront cash ≈ HK$28.06M (deposit + AVD stamp duty HK$2,695,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,449
−HK$12,696/mo
▼ 0.25% · 3.875%
HK$208,747
−HK$6,398/mo
Today · 4.125%
HK$215,145
baseline
▲ 0.50% · 4.625%
HK$228,236
+HK$13,091/mo
Deposit HK$19.03M · loan HK$44.39M · min. income ≈ HK$430,290/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,695,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,223
−HK$12,168/mo
▼ 0.25% · 3.875%
HK$231,263
−HK$6,128/mo
Today · 4.125%
HK$237,391
baseline
▲ 0.50% · 4.625%
HK$249,904
+HK$12,513/mo
Deposit HK$19.03M · loan HK$44.39M · min. income ≈ HK$474,782/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$2,695,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,292
−HK$16,323/mo
▼ 0.25% · 3.875%
HK$268,389
−HK$8,226/mo
Today · 4.125%
HK$276,615
baseline
▲ 0.50% · 4.625%
HK$293,446
+HK$16,831/mo
Deposit HK$6.34M · loan HK$57.08M · min. income ≈ HK$553,230/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,695,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,572
−HK$15,645/mo
▼ 0.25% · 3.875%
HK$297,339
−HK$7,878/mo
Today · 4.125%
HK$305,217
baseline
▲ 0.50% · 4.625%
HK$321,305
+HK$16,088/mo
Deposit HK$6.34M · loan HK$57.08M · min. income ≈ HK$610,434/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,695,218 · Scale 2, in force from 26 Feb 2026)