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$142,797
−HK$8,954/mo
▼ 0.25% · 3.875%
HK$147,238
−HK$4,513/mo
Today · 4.125%
HK$151,751
baseline
▲ 0.50% · 4.625%
HK$160,985
+HK$9,234/mo
Deposit HK$31.31M · loan HK$31.31M · min. income ≈ HK$303,502/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$2,661,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,860
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$163,120
−HK$4,323/mo
Today · 4.125%
HK$167,443
baseline
▲ 0.50% · 4.625%
HK$176,269
+HK$8,826/mo
Deposit HK$31.31M · loan HK$31.31M · min. income ≈ HK$334,886/mo (50% DSR)
Upfront cash ≈ HK$33.97M (deposit + AVD stamp duty HK$2,661,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,356
−HK$10,746/mo
▼ 0.25% · 3.875%
HK$176,686
−HK$5,416/mo
Today · 4.125%
HK$182,102
baseline
▲ 0.50% · 4.625%
HK$193,182
+HK$11,080/mo
Deposit HK$25.05M · loan HK$37.57M · min. income ≈ HK$364,204/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,661,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,632
−HK$10,299/mo
▼ 0.25% · 3.875%
HK$195,745
−HK$5,186/mo
Today · 4.125%
HK$200,931
baseline
▲ 0.50% · 4.625%
HK$211,522
+HK$10,591/mo
Deposit HK$25.05M · loan HK$37.57M · min. income ≈ HK$401,862/mo (50% DSR)
Upfront cash ≈ HK$27.71M (deposit + AVD stamp duty HK$2,661,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,915
−HK$12,537/mo
▼ 0.25% · 3.875%
HK$206,134
−HK$6,318/mo
Today · 4.125%
HK$212,452
baseline
▲ 0.50% · 4.625%
HK$225,379
+HK$12,927/mo
Deposit HK$18.79M · loan HK$43.84M · min. income ≈ HK$424,904/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,661,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,404
−HK$12,016/mo
▼ 0.25% · 3.875%
HK$228,369
−HK$6,051/mo
Today · 4.125%
HK$234,420
baseline
▲ 0.50% · 4.625%
HK$246,776
+HK$12,356/mo
Deposit HK$18.79M · loan HK$43.84M · min. income ≈ HK$468,840/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$2,661,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,034
−HK$16,118/mo
▼ 0.25% · 3.875%
HK$265,029
−HK$8,123/mo
Today · 4.125%
HK$273,152
baseline
▲ 0.50% · 4.625%
HK$289,773
+HK$16,621/mo
Deposit HK$6.26M · loan HK$56.36M · min. income ≈ HK$546,304/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,661,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,948
−HK$15,449/mo
▼ 0.25% · 3.875%
HK$293,617
−HK$7,780/mo
Today · 4.125%
HK$301,397
baseline
▲ 0.50% · 4.625%
HK$317,284
+HK$15,887/mo
Deposit HK$6.26M · loan HK$56.36M · min. income ≈ HK$602,794/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,661,482 · Scale 2, in force from 26 Feb 2026)