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$141,613
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$146,018
−HK$4,475/mo
Today · 4.125%
HK$150,493
baseline
▲ 0.50% · 4.625%
HK$159,650
+HK$9,157/mo
Deposit HK$31.05M · loan HK$31.05M · min. income ≈ HK$300,986/mo (50% DSR)
Upfront cash ≈ HK$33.69M (deposit + AVD stamp duty HK$2,639,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,543
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$161,768
−HK$4,286/mo
Today · 4.125%
HK$166,054
baseline
▲ 0.50% · 4.625%
HK$174,807
+HK$8,753/mo
Deposit HK$31.05M · loan HK$31.05M · min. income ≈ HK$332,108/mo (50% DSR)
Upfront cash ≈ HK$33.69M (deposit + AVD stamp duty HK$2,639,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,935
−HK$10,657/mo
▼ 0.25% · 3.875%
HK$175,221
−HK$5,371/mo
Today · 4.125%
HK$180,592
baseline
▲ 0.50% · 4.625%
HK$191,580
+HK$10,988/mo
Deposit HK$24.84M · loan HK$37.26M · min. income ≈ HK$361,184/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,639,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,051
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$194,122
−HK$5,143/mo
Today · 4.125%
HK$199,265
baseline
▲ 0.50% · 4.625%
HK$209,769
+HK$10,504/mo
Deposit HK$24.84M · loan HK$37.26M · min. income ≈ HK$398,530/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,639,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,258
−HK$12,433/mo
▼ 0.25% · 3.875%
HK$204,425
−HK$6,266/mo
Today · 4.125%
HK$210,691
baseline
▲ 0.50% · 4.625%
HK$223,511
+HK$12,820/mo
Deposit HK$18.63M · loan HK$43.47M · min. income ≈ HK$421,382/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,560
−HK$11,916/mo
▼ 0.25% · 3.875%
HK$226,475
−HK$6,001/mo
Today · 4.125%
HK$232,476
baseline
▲ 0.50% · 4.625%
HK$244,730
+HK$12,254/mo
Deposit HK$18.63M · loan HK$43.47M · min. income ≈ HK$464,952/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,903
−HK$15,985/mo
▼ 0.25% · 3.875%
HK$262,832
−HK$8,056/mo
Today · 4.125%
HK$270,888
baseline
▲ 0.50% · 4.625%
HK$287,371
+HK$16,483/mo
Deposit HK$6.21M · loan HK$55.89M · min. income ≈ HK$541,776/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,577
−HK$15,321/mo
▼ 0.25% · 3.875%
HK$291,183
−HK$7,715/mo
Today · 4.125%
HK$298,898
baseline
▲ 0.50% · 4.625%
HK$314,653
+HK$15,755/mo
Deposit HK$6.21M · loan HK$55.89M · min. income ≈ HK$597,796/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,417 · Scale 2, in force from 26 Feb 2026)