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$146,843
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$151,411
−HK$4,640/mo
Today · 4.125%
HK$156,051
baseline
▲ 0.50% · 4.625%
HK$165,547
+HK$9,496/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$312,102/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,736,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,361
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$167,743
−HK$4,444/mo
Today · 4.125%
HK$172,187
baseline
▲ 0.50% · 4.625%
HK$181,263
+HK$9,076/mo
Deposit HK$32.20M · loan HK$32.20M · min. income ≈ HK$344,374/mo (50% DSR)
Upfront cash ≈ HK$34.94M (deposit + AVD stamp duty HK$2,736,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,212
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$181,693
−HK$5,569/mo
Today · 4.125%
HK$187,262
baseline
▲ 0.50% · 4.625%
HK$198,656
+HK$11,394/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$374,524/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,736,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,034
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$201,291
−HK$5,334/mo
Today · 4.125%
HK$206,625
baseline
▲ 0.50% · 4.625%
HK$217,516
+HK$10,891/mo
Deposit HK$25.76M · loan HK$38.64M · min. income ≈ HK$413,250/mo (50% DSR)
Upfront cash ≈ HK$28.50M (deposit + AVD stamp duty HK$2,736,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,580
−HK$12,892/mo
▼ 0.25% · 3.875%
HK$211,975
−HK$6,497/mo
Today · 4.125%
HK$218,472
baseline
▲ 0.50% · 4.625%
HK$231,765
+HK$13,293/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$436,944/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,736,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,706
−HK$12,356/mo
▼ 0.25% · 3.875%
HK$234,840
−HK$6,222/mo
Today · 4.125%
HK$241,062
baseline
▲ 0.50% · 4.625%
HK$253,769
+HK$12,707/mo
Deposit HK$19.32M · loan HK$45.08M · min. income ≈ HK$482,124/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$2,736,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,317
−HK$16,575/mo
▼ 0.25% · 3.875%
HK$272,539
−HK$8,353/mo
Today · 4.125%
HK$280,892
baseline
▲ 0.50% · 4.625%
HK$297,984
+HK$17,092/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$561,784/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,736,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,050
−HK$15,887/mo
▼ 0.25% · 3.875%
HK$301,937
−HK$8,000/mo
Today · 4.125%
HK$309,937
baseline
▲ 0.50% · 4.625%
HK$326,274
+HK$16,337/mo
Deposit HK$6.44M · loan HK$57.96M · min. income ≈ HK$619,874/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$2,736,896 · Scale 2, in force from 26 Feb 2026)