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$141,378
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$145,775
−HK$4,468/mo
Today · 4.125%
HK$150,243
baseline
▲ 0.50% · 4.625%
HK$159,385
+HK$9,142/mo
Deposit HK$31.00M · loan HK$31.00M · min. income ≈ HK$300,486/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,281
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$161,499
−HK$4,280/mo
Today · 4.125%
HK$165,779
baseline
▲ 0.50% · 4.625%
HK$174,517
+HK$8,738/mo
Deposit HK$31.00M · loan HK$31.00M · min. income ≈ HK$331,558/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,653
−HK$10,639/mo
▼ 0.25% · 3.875%
HK$174,930
−HK$5,362/mo
Today · 4.125%
HK$180,292
baseline
▲ 0.50% · 4.625%
HK$191,262
+HK$10,970/mo
Deposit HK$24.80M · loan HK$37.20M · min. income ≈ HK$360,584/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,737
−HK$10,197/mo
▼ 0.25% · 3.875%
HK$193,799
−HK$5,135/mo
Today · 4.125%
HK$198,934
baseline
▲ 0.50% · 4.625%
HK$209,420
+HK$10,486/mo
Deposit HK$24.80M · loan HK$37.20M · min. income ≈ HK$397,868/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,929
−HK$12,412/mo
▼ 0.25% · 3.875%
HK$204,085
−HK$6,256/mo
Today · 4.125%
HK$210,341
baseline
▲ 0.50% · 4.625%
HK$223,139
+HK$12,798/mo
Deposit HK$18.60M · loan HK$43.40M · min. income ≈ HK$420,682/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,194
−HK$11,896/mo
▼ 0.25% · 3.875%
HK$226,099
−HK$5,991/mo
Today · 4.125%
HK$232,090
baseline
▲ 0.50% · 4.625%
HK$244,324
+HK$12,234/mo
Deposit HK$18.60M · loan HK$43.40M · min. income ≈ HK$464,180/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,480
−HK$15,958/mo
▼ 0.25% · 3.875%
HK$262,395
−HK$8,043/mo
Today · 4.125%
HK$270,438
baseline
▲ 0.50% · 4.625%
HK$286,893
+HK$16,455/mo
Deposit HK$6.20M · loan HK$55.80M · min. income ≈ HK$540,876/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,106
−HK$15,295/mo
▼ 0.25% · 3.875%
HK$290,699
−HK$7,702/mo
Today · 4.125%
HK$298,401
baseline
▲ 0.50% · 4.625%
HK$314,131
+HK$15,730/mo
Deposit HK$6.20M · loan HK$55.80M · min. income ≈ HK$596,802/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,032 · Scale 2, in force from 26 Feb 2026)