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$143,605
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$148,072
−HK$4,538/mo
Today · 4.125%
HK$152,610
baseline
▲ 0.50% · 4.625%
HK$161,896
+HK$9,286/mo
Deposit HK$31.49M · loan HK$31.49M · min. income ≈ HK$305,220/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$2,676,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,759
−HK$8,631/mo
▼ 0.25% · 3.875%
HK$164,043
−HK$4,347/mo
Today · 4.125%
HK$168,390
baseline
▲ 0.50% · 4.625%
HK$177,266
+HK$8,876/mo
Deposit HK$31.49M · loan HK$31.49M · min. income ≈ HK$336,780/mo (50% DSR)
Upfront cash ≈ HK$34.17M (deposit + AVD stamp duty HK$2,676,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,326
−HK$10,806/mo
▼ 0.25% · 3.875%
HK$177,686
−HK$5,446/mo
Today · 4.125%
HK$183,132
baseline
▲ 0.50% · 4.625%
HK$194,275
+HK$11,143/mo
Deposit HK$25.19M · loan HK$37.79M · min. income ≈ HK$366,264/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,676,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,710
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$196,852
−HK$5,216/mo
Today · 4.125%
HK$202,068
baseline
▲ 0.50% · 4.625%
HK$212,719
+HK$10,651/mo
Deposit HK$25.19M · loan HK$37.79M · min. income ≈ HK$404,136/mo (50% DSR)
Upfront cash ≈ HK$27.87M (deposit + AVD stamp duty HK$2,676,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,046
−HK$12,608/mo
▼ 0.25% · 3.875%
HK$207,300
−HK$6,354/mo
Today · 4.125%
HK$213,654
baseline
▲ 0.50% · 4.625%
HK$226,654
+HK$13,000/mo
Deposit HK$18.89M · loan HK$44.08M · min. income ≈ HK$427,308/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$2,676,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,662
−HK$12,084/mo
▼ 0.25% · 3.875%
HK$229,661
−HK$6,085/mo
Today · 4.125%
HK$235,746
baseline
▲ 0.50% · 4.625%
HK$248,172
+HK$12,426/mo
Deposit HK$18.89M · loan HK$44.08M · min. income ≈ HK$471,492/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$2,676,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,488
−HK$16,210/mo
▼ 0.25% · 3.875%
HK$266,529
−HK$8,169/mo
Today · 4.125%
HK$274,698
baseline
▲ 0.50% · 4.625%
HK$291,413
+HK$16,715/mo
Deposit HK$6.30M · loan HK$56.68M · min. income ≈ HK$549,396/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$2,676,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,566
−HK$15,536/mo
▼ 0.25% · 3.875%
HK$295,278
−HK$7,824/mo
Today · 4.125%
HK$303,102
baseline
▲ 0.50% · 4.625%
HK$319,079
+HK$15,977/mo
Deposit HK$6.30M · loan HK$56.68M · min. income ≈ HK$606,204/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$2,676,540 · Scale 2, in force from 26 Feb 2026)