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$142,610
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$147,046
−HK$4,507/mo
Today · 4.125%
HK$151,553
baseline
▲ 0.50% · 4.625%
HK$160,775
+HK$9,222/mo
Deposit HK$31.27M · loan HK$31.27M · min. income ≈ HK$303,106/mo (50% DSR)
Upfront cash ≈ HK$33.93M (deposit + AVD stamp duty HK$2,658,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,653
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$162,908
−HK$4,316/mo
Today · 4.125%
HK$167,224
baseline
▲ 0.50% · 4.625%
HK$176,039
+HK$8,815/mo
Deposit HK$31.27M · loan HK$31.27M · min. income ≈ HK$334,448/mo (50% DSR)
Upfront cash ≈ HK$33.93M (deposit + AVD stamp duty HK$2,658,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,132
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$176,456
−HK$5,408/mo
Today · 4.125%
HK$181,864
baseline
▲ 0.50% · 4.625%
HK$192,930
+HK$11,066/mo
Deposit HK$25.02M · loan HK$37.52M · min. income ≈ HK$363,728/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,658,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,383
−HK$10,286/mo
▼ 0.25% · 3.875%
HK$195,489
−HK$5,180/mo
Today · 4.125%
HK$200,669
baseline
▲ 0.50% · 4.625%
HK$211,246
+HK$10,577/mo
Deposit HK$25.02M · loan HK$37.52M · min. income ≈ HK$401,338/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,658,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,654
−HK$12,521/mo
▼ 0.25% · 3.875%
HK$205,865
−HK$6,310/mo
Today · 4.125%
HK$212,175
baseline
▲ 0.50% · 4.625%
HK$225,085
+HK$12,910/mo
Deposit HK$18.76M · loan HK$43.78M · min. income ≈ HK$424,350/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,658,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,114
−HK$12,000/mo
▼ 0.25% · 3.875%
HK$228,071
−HK$6,043/mo
Today · 4.125%
HK$234,114
baseline
▲ 0.50% · 4.625%
HK$246,454
+HK$12,340/mo
Deposit HK$18.76M · loan HK$43.78M · min. income ≈ HK$468,228/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,658,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,699
−HK$16,097/mo
▼ 0.25% · 3.875%
HK$264,683
−HK$8,113/mo
Today · 4.125%
HK$272,796
baseline
▲ 0.50% · 4.625%
HK$289,395
+HK$16,599/mo
Deposit HK$6.25M · loan HK$56.29M · min. income ≈ HK$545,592/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,658,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,575
−HK$15,428/mo
▼ 0.25% · 3.875%
HK$293,234
−HK$7,769/mo
Today · 4.125%
HK$301,003
baseline
▲ 0.50% · 4.625%
HK$316,870
+HK$15,867/mo
Deposit HK$6.25M · loan HK$56.29M · min. income ≈ HK$602,006/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,658,008 · Scale 2, in force from 26 Feb 2026)