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$148,475
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$153,093
−HK$4,692/mo
Today · 4.125%
HK$157,785
baseline
▲ 0.50% · 4.625%
HK$167,386
+HK$9,601/mo
Deposit HK$32.56M · loan HK$32.56M · min. income ≈ HK$315,570/mo (50% DSR)
Upfront cash ≈ HK$35.32M (deposit + AVD stamp duty HK$2,767,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,176
−HK$8,924/mo
▼ 0.25% · 3.875%
HK$169,606
−HK$4,494/mo
Today · 4.125%
HK$174,100
baseline
▲ 0.50% · 4.625%
HK$183,277
+HK$9,177/mo
Deposit HK$32.56M · loan HK$32.56M · min. income ≈ HK$348,200/mo (50% DSR)
Upfront cash ≈ HK$35.32M (deposit + AVD stamp duty HK$2,767,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,169
−HK$11,173/mo
▼ 0.25% · 3.875%
HK$183,712
−HK$5,630/mo
Today · 4.125%
HK$189,342
baseline
▲ 0.50% · 4.625%
HK$200,863
+HK$11,521/mo
Deposit HK$26.05M · loan HK$39.07M · min. income ≈ HK$378,684/mo (50% DSR)
Upfront cash ≈ HK$28.81M (deposit + AVD stamp duty HK$2,767,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,212
−HK$10,708/mo
▼ 0.25% · 3.875%
HK$203,528
−HK$5,392/mo
Today · 4.125%
HK$208,920
baseline
▲ 0.50% · 4.625%
HK$219,933
+HK$11,013/mo
Deposit HK$26.05M · loan HK$39.07M · min. income ≈ HK$417,840/mo (50% DSR)
Upfront cash ≈ HK$28.81M (deposit + AVD stamp duty HK$2,767,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,864
−HK$13,035/mo
▼ 0.25% · 3.875%
HK$214,330
−HK$6,569/mo
Today · 4.125%
HK$220,899
baseline
▲ 0.50% · 4.625%
HK$234,340
+HK$13,441/mo
Deposit HK$19.53M · loan HK$45.58M · min. income ≈ HK$441,798/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,767,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,247
−HK$12,494/mo
▼ 0.25% · 3.875%
HK$237,449
−HK$6,292/mo
Today · 4.125%
HK$243,741
baseline
▲ 0.50% · 4.625%
HK$256,588
+HK$12,847/mo
Deposit HK$19.53M · loan HK$45.58M · min. income ≈ HK$487,482/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$2,767,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,254
−HK$16,759/mo
▼ 0.25% · 3.875%
HK$275,567
−HK$8,446/mo
Today · 4.125%
HK$284,013
baseline
▲ 0.50% · 4.625%
HK$301,295
+HK$17,282/mo
Deposit HK$6.51M · loan HK$58.60M · min. income ≈ HK$568,026/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$2,767,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,318
−HK$16,063/mo
▼ 0.25% · 3.875%
HK$305,291
−HK$8,090/mo
Today · 4.125%
HK$313,381
baseline
▲ 0.50% · 4.625%
HK$329,899
+HK$16,518/mo
Deposit HK$6.51M · loan HK$58.60M · min. income ≈ HK$626,762/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$2,767,306 · Scale 2, in force from 26 Feb 2026)