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$146,836
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$151,403
−HK$4,641/mo
Today · 4.125%
HK$156,044
baseline
▲ 0.50% · 4.625%
HK$165,539
+HK$9,495/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$312,088/mo (50% DSR)
Upfront cash ≈ HK$34.93M (deposit + AVD stamp duty HK$2,736,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,353
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$167,734
−HK$4,445/mo
Today · 4.125%
HK$172,179
baseline
▲ 0.50% · 4.625%
HK$181,255
+HK$9,076/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$344,358/mo (50% DSR)
Upfront cash ≈ HK$34.93M (deposit + AVD stamp duty HK$2,736,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,203
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$181,684
−HK$5,569/mo
Today · 4.125%
HK$187,253
baseline
▲ 0.50% · 4.625%
HK$198,646
+HK$11,393/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$374,506/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,736,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,024
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$201,281
−HK$5,334/mo
Today · 4.125%
HK$206,615
baseline
▲ 0.50% · 4.625%
HK$217,506
+HK$10,891/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$413,230/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,736,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,570
−HK$12,891/mo
▼ 0.25% · 3.875%
HK$211,965
−HK$6,496/mo
Today · 4.125%
HK$218,461
baseline
▲ 0.50% · 4.625%
HK$231,754
+HK$13,293/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$436,922/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,736,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,695
−HK$12,355/mo
▼ 0.25% · 3.875%
HK$234,828
−HK$6,222/mo
Today · 4.125%
HK$241,050
baseline
▲ 0.50% · 4.625%
HK$253,757
+HK$12,707/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$482,100/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,736,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,305
−HK$16,574/mo
▼ 0.25% · 3.875%
HK$272,526
−HK$8,353/mo
Today · 4.125%
HK$280,879
baseline
▲ 0.50% · 4.625%
HK$297,970
+HK$17,091/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$561,758/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,736,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,036
−HK$15,886/mo
▼ 0.25% · 3.875%
HK$301,922
−HK$8,000/mo
Today · 4.125%
HK$309,922
baseline
▲ 0.50% · 4.625%
HK$326,258
+HK$16,336/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$619,844/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,736,765 · Scale 2, in force from 26 Feb 2026)