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$143,473
−HK$8,997/mo
▼ 0.25% · 3.875%
HK$147,935
−HK$4,535/mo
Today · 4.125%
HK$152,470
baseline
▲ 0.50% · 4.625%
HK$161,747
+HK$9,277/mo
Deposit HK$31.46M · loan HK$31.46M · min. income ≈ HK$304,940/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$2,674,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,612
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$163,893
−HK$4,342/mo
Today · 4.125%
HK$168,235
baseline
▲ 0.50% · 4.625%
HK$177,103
+HK$8,868/mo
Deposit HK$31.46M · loan HK$31.46M · min. income ≈ HK$336,470/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$2,674,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,167
−HK$10,797/mo
▼ 0.25% · 3.875%
HK$177,523
−HK$5,441/mo
Today · 4.125%
HK$182,964
baseline
▲ 0.50% · 4.625%
HK$194,096
+HK$11,132/mo
Deposit HK$25.17M · loan HK$37.75M · min. income ≈ HK$365,928/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,674,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,534
−HK$10,348/mo
▼ 0.25% · 3.875%
HK$196,671
−HK$5,211/mo
Today · 4.125%
HK$201,882
baseline
▲ 0.50% · 4.625%
HK$212,524
+HK$10,642/mo
Deposit HK$25.17M · loan HK$37.75M · min. income ≈ HK$403,764/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,674,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,862
−HK$12,596/mo
▼ 0.25% · 3.875%
HK$207,110
−HK$6,348/mo
Today · 4.125%
HK$213,458
baseline
▲ 0.50% · 4.625%
HK$226,446
+HK$12,988/mo
Deposit HK$18.88M · loan HK$44.04M · min. income ≈ HK$426,916/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,674,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,457
−HK$12,072/mo
▼ 0.25% · 3.875%
HK$229,450
−HK$6,079/mo
Today · 4.125%
HK$235,529
baseline
▲ 0.50% · 4.625%
HK$247,944
+HK$12,415/mo
Deposit HK$18.88M · loan HK$44.04M · min. income ≈ HK$471,058/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,674,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,251
−HK$16,194/mo
▼ 0.25% · 3.875%
HK$266,284
−HK$8,161/mo
Today · 4.125%
HK$274,445
baseline
▲ 0.50% · 4.625%
HK$291,145
+HK$16,700/mo
Deposit HK$6.29M · loan HK$56.63M · min. income ≈ HK$548,890/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$2,674,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,301
−HK$15,522/mo
▼ 0.25% · 3.875%
HK$295,007
−HK$7,816/mo
Today · 4.125%
HK$302,823
baseline
▲ 0.50% · 4.625%
HK$318,786
+HK$15,963/mo
Deposit HK$6.29M · loan HK$56.63M · min. income ≈ HK$605,646/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$2,674,080 · Scale 2, in force from 26 Feb 2026)