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$145,057
−HK$9,097/mo
▼ 0.25% · 3.875%
HK$149,569
−HK$4,585/mo
Today · 4.125%
HK$154,154
baseline
▲ 0.50% · 4.625%
HK$163,533
+HK$9,379/mo
Deposit HK$31.81M · loan HK$31.81M · min. income ≈ HK$308,308/mo (50% DSR)
Upfront cash ≈ HK$34.51M (deposit + AVD stamp duty HK$2,703,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,375
−HK$8,718/mo
▼ 0.25% · 3.875%
HK$165,703
−HK$4,390/mo
Today · 4.125%
HK$170,093
baseline
▲ 0.50% · 4.625%
HK$179,059
+HK$8,966/mo
Deposit HK$31.81M · loan HK$31.81M · min. income ≈ HK$340,186/mo (50% DSR)
Upfront cash ≈ HK$34.51M (deposit + AVD stamp duty HK$2,703,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,069
−HK$10,915/mo
▼ 0.25% · 3.875%
HK$179,483
−HK$5,501/mo
Today · 4.125%
HK$184,984
baseline
▲ 0.50% · 4.625%
HK$196,240
+HK$11,256/mo
Deposit HK$25.45M · loan HK$38.17M · min. income ≈ HK$369,968/mo (50% DSR)
Upfront cash ≈ HK$28.15M (deposit + AVD stamp duty HK$2,703,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,650
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$198,843
−HK$5,269/mo
Today · 4.125%
HK$204,112
baseline
▲ 0.50% · 4.625%
HK$214,871
+HK$10,759/mo
Deposit HK$25.45M · loan HK$38.17M · min. income ≈ HK$408,224/mo (50% DSR)
Upfront cash ≈ HK$28.15M (deposit + AVD stamp duty HK$2,703,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,080
−HK$12,735/mo
▼ 0.25% · 3.875%
HK$209,397
−HK$6,418/mo
Today · 4.125%
HK$215,815
baseline
▲ 0.50% · 4.625%
HK$228,947
+HK$13,132/mo
Deposit HK$19.08M · loan HK$44.53M · min. income ≈ HK$431,630/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,703,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,924
−HK$12,206/mo
▼ 0.25% · 3.875%
HK$231,984
−HK$6,146/mo
Today · 4.125%
HK$238,130
baseline
▲ 0.50% · 4.625%
HK$250,683
+HK$12,553/mo
Deposit HK$19.08M · loan HK$44.53M · min. income ≈ HK$476,260/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,703,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,103
−HK$16,373/mo
▼ 0.25% · 3.875%
HK$269,225
−HK$8,251/mo
Today · 4.125%
HK$277,476
baseline
▲ 0.50% · 4.625%
HK$294,360
+HK$16,884/mo
Deposit HK$6.36M · loan HK$57.25M · min. income ≈ HK$554,952/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,703,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,474
−HK$15,694/mo
▼ 0.25% · 3.875%
HK$298,265
−HK$7,903/mo
Today · 4.125%
HK$306,168
baseline
▲ 0.50% · 4.625%
HK$322,306
+HK$16,138/mo
Deposit HK$6.36M · loan HK$57.25M · min. income ≈ HK$612,336/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,703,612 · Scale 2, in force from 26 Feb 2026)