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$142,727
−HK$8,950/mo
▼ 0.25% · 3.875%
HK$147,167
−HK$4,510/mo
Today · 4.125%
HK$151,677
baseline
▲ 0.50% · 4.625%
HK$160,906
+HK$9,229/mo
Deposit HK$31.30M · loan HK$31.30M · min. income ≈ HK$303,354/mo (50% DSR)
Upfront cash ≈ HK$33.96M (deposit + AVD stamp duty HK$2,660,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,782
−HK$8,579/mo
▼ 0.25% · 3.875%
HK$163,041
−HK$4,320/mo
Today · 4.125%
HK$167,361
baseline
▲ 0.50% · 4.625%
HK$176,183
+HK$8,822/mo
Deposit HK$31.30M · loan HK$31.30M · min. income ≈ HK$334,722/mo (50% DSR)
Upfront cash ≈ HK$33.96M (deposit + AVD stamp duty HK$2,660,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,272
−HK$10,741/mo
▼ 0.25% · 3.875%
HK$176,600
−HK$5,413/mo
Today · 4.125%
HK$182,013
baseline
▲ 0.50% · 4.625%
HK$193,088
+HK$11,075/mo
Deposit HK$25.04M · loan HK$37.56M · min. income ≈ HK$364,026/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,660,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,539
−HK$10,294/mo
▼ 0.25% · 3.875%
HK$195,649
−HK$5,184/mo
Today · 4.125%
HK$200,833
baseline
▲ 0.50% · 4.625%
HK$211,419
+HK$10,586/mo
Deposit HK$25.04M · loan HK$37.56M · min. income ≈ HK$401,666/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,660,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,818
−HK$12,530/mo
▼ 0.25% · 3.875%
HK$206,033
−HK$6,315/mo
Today · 4.125%
HK$212,348
baseline
▲ 0.50% · 4.625%
HK$225,269
+HK$12,921/mo
Deposit HK$18.78M · loan HK$43.81M · min. income ≈ HK$424,696/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,660,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,295
−HK$12,010/mo
▼ 0.25% · 3.875%
HK$228,257
−HK$6,048/mo
Today · 4.125%
HK$234,305
baseline
▲ 0.50% · 4.625%
HK$246,656
+HK$12,351/mo
Deposit HK$18.78M · loan HK$43.81M · min. income ≈ HK$468,610/mo (50% DSR)
Upfront cash ≈ HK$21.44M (deposit + AVD stamp duty HK$2,660,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,909
−HK$16,110/mo
▼ 0.25% · 3.875%
HK$264,900
−HK$8,119/mo
Today · 4.125%
HK$273,019
baseline
▲ 0.50% · 4.625%
HK$289,632
+HK$16,613/mo
Deposit HK$6.26M · loan HK$56.33M · min. income ≈ HK$546,038/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,660,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,808
−HK$15,442/mo
▼ 0.25% · 3.875%
HK$293,473
−HK$7,777/mo
Today · 4.125%
HK$301,250
baseline
▲ 0.50% · 4.625%
HK$317,129
+HK$15,879/mo
Deposit HK$6.26M · loan HK$56.33M · min. income ≈ HK$602,500/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$2,660,183 · Scale 2, in force from 26 Feb 2026)