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$143,561
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$148,026
−HK$4,537/mo
Today · 4.125%
HK$152,563
baseline
▲ 0.50% · 4.625%
HK$161,846
+HK$9,283/mo
Deposit HK$31.48M · loan HK$31.48M · min. income ≈ HK$305,126/mo (50% DSR)
Upfront cash ≈ HK$34.15M (deposit + AVD stamp duty HK$2,675,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,710
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$163,993
−HK$4,345/mo
Today · 4.125%
HK$168,338
baseline
▲ 0.50% · 4.625%
HK$177,212
+HK$8,874/mo
Deposit HK$31.48M · loan HK$31.48M · min. income ≈ HK$336,676/mo (50% DSR)
Upfront cash ≈ HK$34.15M (deposit + AVD stamp duty HK$2,675,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,273
−HK$10,803/mo
▼ 0.25% · 3.875%
HK$177,631
−HK$5,445/mo
Today · 4.125%
HK$183,076
baseline
▲ 0.50% · 4.625%
HK$194,215
+HK$11,139/mo
Deposit HK$25.18M · loan HK$37.77M · min. income ≈ HK$366,152/mo (50% DSR)
Upfront cash ≈ HK$27.86M (deposit + AVD stamp duty HK$2,675,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,652
−HK$10,354/mo
▼ 0.25% · 3.875%
HK$196,792
−HK$5,214/mo
Today · 4.125%
HK$202,006
baseline
▲ 0.50% · 4.625%
HK$212,654
+HK$10,648/mo
Deposit HK$25.18M · loan HK$37.77M · min. income ≈ HK$404,012/mo (50% DSR)
Upfront cash ≈ HK$27.86M (deposit + AVD stamp duty HK$2,675,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,985
−HK$12,603/mo
▼ 0.25% · 3.875%
HK$207,236
−HK$6,352/mo
Today · 4.125%
HK$213,588
baseline
▲ 0.50% · 4.625%
HK$226,585
+HK$12,997/mo
Deposit HK$18.89M · loan HK$44.07M · min. income ≈ HK$427,176/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,675,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,593
−HK$12,081/mo
▼ 0.25% · 3.875%
HK$229,590
−HK$6,084/mo
Today · 4.125%
HK$235,674
baseline
▲ 0.50% · 4.625%
HK$248,096
+HK$12,422/mo
Deposit HK$18.89M · loan HK$44.07M · min. income ≈ HK$471,348/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,675,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,409
−HK$16,204/mo
▼ 0.25% · 3.875%
HK$266,447
−HK$8,166/mo
Today · 4.125%
HK$274,613
baseline
▲ 0.50% · 4.625%
HK$291,323
+HK$16,710/mo
Deposit HK$6.30M · loan HK$56.66M · min. income ≈ HK$549,226/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$2,675,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,477
−HK$15,532/mo
▼ 0.25% · 3.875%
HK$295,187
−HK$7,822/mo
Today · 4.125%
HK$303,009
baseline
▲ 0.50% · 4.625%
HK$318,981
+HK$15,972/mo
Deposit HK$6.30M · loan HK$56.66M · min. income ≈ HK$606,018/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$2,675,718 · Scale 2, in force from 26 Feb 2026)