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$142,381
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$146,810
−HK$4,500/mo
Today · 4.125%
HK$151,310
baseline
▲ 0.50% · 4.625%
HK$160,517
+HK$9,207/mo
Deposit HK$31.22M · loan HK$31.22M · min. income ≈ HK$302,620/mo (50% DSR)
Upfront cash ≈ HK$33.87M (deposit + AVD stamp duty HK$2,653,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,398
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$162,646
−HK$4,309/mo
Today · 4.125%
HK$166,955
baseline
▲ 0.50% · 4.625%
HK$175,756
+HK$8,801/mo
Deposit HK$31.22M · loan HK$31.22M · min. income ≈ HK$333,910/mo (50% DSR)
Upfront cash ≈ HK$33.87M (deposit + AVD stamp duty HK$2,653,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,857
−HK$10,715/mo
▼ 0.25% · 3.875%
HK$176,172
−HK$5,400/mo
Today · 4.125%
HK$181,572
baseline
▲ 0.50% · 4.625%
HK$192,620
+HK$11,048/mo
Deposit HK$24.98M · loan HK$37.46M · min. income ≈ HK$363,144/mo (50% DSR)
Upfront cash ≈ HK$27.63M (deposit + AVD stamp duty HK$2,653,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,077
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$195,175
−HK$5,171/mo
Today · 4.125%
HK$200,346
baseline
▲ 0.50% · 4.625%
HK$210,907
+HK$10,561/mo
Deposit HK$24.98M · loan HK$37.46M · min. income ≈ HK$400,692/mo (50% DSR)
Upfront cash ≈ HK$27.63M (deposit + AVD stamp duty HK$2,653,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,334
−HK$12,500/mo
▼ 0.25% · 3.875%
HK$205,534
−HK$6,300/mo
Today · 4.125%
HK$211,834
baseline
▲ 0.50% · 4.625%
HK$224,723
+HK$12,889/mo
Deposit HK$18.73M · loan HK$43.71M · min. income ≈ HK$423,668/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,653,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,757
−HK$11,981/mo
▼ 0.25% · 3.875%
HK$227,704
−HK$6,034/mo
Today · 4.125%
HK$233,738
baseline
▲ 0.50% · 4.625%
HK$246,058
+HK$12,320/mo
Deposit HK$18.73M · loan HK$43.71M · min. income ≈ HK$467,476/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,653,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,286
−HK$16,072/mo
▼ 0.25% · 3.875%
HK$264,258
−HK$8,100/mo
Today · 4.125%
HK$272,358
baseline
▲ 0.50% · 4.625%
HK$288,930
+HK$16,572/mo
Deposit HK$6.24M · loan HK$56.20M · min. income ≈ HK$544,716/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,653,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,116
−HK$15,404/mo
▼ 0.25% · 3.875%
HK$292,762
−HK$7,758/mo
Today · 4.125%
HK$300,520
baseline
▲ 0.50% · 4.625%
HK$316,361
+HK$15,841/mo
Deposit HK$6.24M · loan HK$56.20M · min. income ≈ HK$601,040/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,653,738 · Scale 2, in force from 26 Feb 2026)