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$147,075
−HK$9,223/mo
▼ 0.25% · 3.875%
HK$151,650
−HK$4,648/mo
Today · 4.125%
HK$156,298
baseline
▲ 0.50% · 4.625%
HK$165,808
+HK$9,510/mo
Deposit HK$32.25M · loan HK$32.25M · min. income ≈ HK$312,596/mo (50% DSR)
Upfront cash ≈ HK$34.99M (deposit + AVD stamp duty HK$2,741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,619
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$168,007
−HK$4,452/mo
Today · 4.125%
HK$172,459
baseline
▲ 0.50% · 4.625%
HK$181,550
+HK$9,091/mo
Deposit HK$32.25M · loan HK$32.25M · min. income ≈ HK$344,918/mo (50% DSR)
Upfront cash ≈ HK$34.99M (deposit + AVD stamp duty HK$2,741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,490
−HK$11,067/mo
▼ 0.25% · 3.875%
HK$181,980
−HK$5,577/mo
Today · 4.125%
HK$187,557
baseline
▲ 0.50% · 4.625%
HK$198,970
+HK$11,413/mo
Deposit HK$25.80M · loan HK$38.70M · min. income ≈ HK$375,114/mo (50% DSR)
Upfront cash ≈ HK$28.54M (deposit + AVD stamp duty HK$2,741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,343
−HK$10,608/mo
▼ 0.25% · 3.875%
HK$201,609
−HK$5,342/mo
Today · 4.125%
HK$206,951
baseline
▲ 0.50% · 4.625%
HK$217,859
+HK$10,908/mo
Deposit HK$25.80M · loan HK$38.70M · min. income ≈ HK$413,902/mo (50% DSR)
Upfront cash ≈ HK$28.54M (deposit + AVD stamp duty HK$2,741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,905
−HK$12,912/mo
▼ 0.25% · 3.875%
HK$212,309
−HK$6,508/mo
Today · 4.125%
HK$218,817
baseline
▲ 0.50% · 4.625%
HK$232,131
+HK$13,314/mo
Deposit HK$19.35M · loan HK$45.15M · min. income ≈ HK$437,634/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,067
−HK$12,376/mo
▼ 0.25% · 3.875%
HK$235,210
−HK$6,233/mo
Today · 4.125%
HK$241,443
baseline
▲ 0.50% · 4.625%
HK$254,169
+HK$12,726/mo
Deposit HK$19.35M · loan HK$45.15M · min. income ≈ HK$482,886/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,735
−HK$16,601/mo
▼ 0.25% · 3.875%
HK$272,969
−HK$8,367/mo
Today · 4.125%
HK$281,336
baseline
▲ 0.50% · 4.625%
HK$298,454
+HK$17,118/mo
Deposit HK$6.45M · loan HK$58.05M · min. income ≈ HK$562,672/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$2,741,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,515
−HK$15,911/mo
▼ 0.25% · 3.875%
HK$302,413
−HK$8,013/mo
Today · 4.125%
HK$310,426
baseline
▲ 0.50% · 4.625%
HK$326,789
+HK$16,363/mo
Deposit HK$6.45M · loan HK$58.05M · min. income ≈ HK$620,852/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$2,741,217 · Scale 2, in force from 26 Feb 2026)