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$141,670
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$146,077
−HK$4,477/mo
Today · 4.125%
HK$150,554
baseline
▲ 0.50% · 4.625%
HK$159,715
+HK$9,161/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$301,108/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,640,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,606
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$161,833
−HK$4,288/mo
Today · 4.125%
HK$166,121
baseline
▲ 0.50% · 4.625%
HK$174,878
+HK$8,757/mo
Deposit HK$31.06M · loan HK$31.06M · min. income ≈ HK$332,242/mo (50% DSR)
Upfront cash ≈ HK$33.70M (deposit + AVD stamp duty HK$2,640,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,004
−HK$10,660/mo
▼ 0.25% · 3.875%
HK$175,292
−HK$5,372/mo
Today · 4.125%
HK$180,664
baseline
▲ 0.50% · 4.625%
HK$191,657
+HK$10,993/mo
Deposit HK$24.85M · loan HK$37.28M · min. income ≈ HK$361,328/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,640,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,127
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$194,200
−HK$5,145/mo
Today · 4.125%
HK$199,345
baseline
▲ 0.50% · 4.625%
HK$209,853
+HK$10,508/mo
Deposit HK$24.85M · loan HK$37.28M · min. income ≈ HK$398,690/mo (50% DSR)
Upfront cash ≈ HK$27.49M (deposit + AVD stamp duty HK$2,640,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,338
−HK$12,437/mo
▼ 0.25% · 3.875%
HK$204,507
−HK$6,268/mo
Today · 4.125%
HK$210,775
baseline
▲ 0.50% · 4.625%
HK$223,600
+HK$12,825/mo
Deposit HK$18.64M · loan HK$43.49M · min. income ≈ HK$421,550/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,640,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,649
−HK$11,921/mo
▼ 0.25% · 3.875%
HK$226,566
−HK$6,004/mo
Today · 4.125%
HK$232,570
baseline
▲ 0.50% · 4.625%
HK$244,829
+HK$12,259/mo
Deposit HK$18.64M · loan HK$43.49M · min. income ≈ HK$465,140/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,640,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,006
−HK$15,991/mo
▼ 0.25% · 3.875%
HK$262,938
−HK$8,059/mo
Today · 4.125%
HK$270,997
baseline
▲ 0.50% · 4.625%
HK$287,486
+HK$16,489/mo
Deposit HK$6.21M · loan HK$55.92M · min. income ≈ HK$541,994/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,640,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,691
−HK$15,327/mo
▼ 0.25% · 3.875%
HK$291,300
−HK$7,718/mo
Today · 4.125%
HK$299,018
baseline
▲ 0.50% · 4.625%
HK$314,780
+HK$15,762/mo
Deposit HK$6.21M · loan HK$55.92M · min. income ≈ HK$598,036/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,640,478 · Scale 2, in force from 26 Feb 2026)