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$142,738
−HK$8,950/mo
▼ 0.25% · 3.875%
HK$147,178
−HK$4,510/mo
Today · 4.125%
HK$151,688
baseline
▲ 0.50% · 4.625%
HK$160,918
+HK$9,230/mo
Deposit HK$31.30M · loan HK$31.30M · min. income ≈ HK$303,376/mo (50% DSR)
Upfront cash ≈ HK$33.96M (deposit + AVD stamp duty HK$2,660,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,794
−HK$8,579/mo
▼ 0.25% · 3.875%
HK$163,053
−HK$4,320/mo
Today · 4.125%
HK$167,373
baseline
▲ 0.50% · 4.625%
HK$176,196
+HK$8,823/mo
Deposit HK$31.30M · loan HK$31.30M · min. income ≈ HK$334,746/mo (50% DSR)
Upfront cash ≈ HK$33.96M (deposit + AVD stamp duty HK$2,660,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,285
−HK$10,741/mo
▼ 0.25% · 3.875%
HK$176,613
−HK$5,413/mo
Today · 4.125%
HK$182,026
baseline
▲ 0.50% · 4.625%
HK$193,102
+HK$11,076/mo
Deposit HK$25.04M · loan HK$37.56M · min. income ≈ HK$364,052/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,660,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,553
−HK$10,295/mo
▼ 0.25% · 3.875%
HK$195,663
−HK$5,185/mo
Today · 4.125%
HK$200,848
baseline
▲ 0.50% · 4.625%
HK$211,435
+HK$10,587/mo
Deposit HK$25.04M · loan HK$37.56M · min. income ≈ HK$401,696/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,660,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,833
−HK$12,531/mo
▼ 0.25% · 3.875%
HK$206,049
−HK$6,315/mo
Today · 4.125%
HK$212,364
baseline
▲ 0.50% · 4.625%
HK$225,286
+HK$12,922/mo
Deposit HK$18.78M · loan HK$43.82M · min. income ≈ HK$424,728/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,660,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,312
−HK$12,011/mo
▼ 0.25% · 3.875%
HK$228,274
−HK$6,049/mo
Today · 4.125%
HK$234,323
baseline
▲ 0.50% · 4.625%
HK$246,674
+HK$12,351/mo
Deposit HK$18.78M · loan HK$43.82M · min. income ≈ HK$468,646/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,660,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,928
−HK$16,111/mo
▼ 0.25% · 3.875%
HK$264,920
−HK$8,119/mo
Today · 4.125%
HK$273,039
baseline
▲ 0.50% · 4.625%
HK$289,653
+HK$16,614/mo
Deposit HK$6.26M · loan HK$56.34M · min. income ≈ HK$546,078/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,660,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,829
−HK$15,443/mo
▼ 0.25% · 3.875%
HK$293,495
−HK$7,777/mo
Today · 4.125%
HK$301,272
baseline
▲ 0.50% · 4.625%
HK$317,152
+HK$15,880/mo
Deposit HK$6.26M · loan HK$56.34M · min. income ≈ HK$602,544/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,660,380 · Scale 2, in force from 26 Feb 2026)