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$146,190
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$150,737
−HK$4,620/mo
Today · 4.125%
HK$155,357
baseline
▲ 0.50% · 4.625%
HK$164,810
+HK$9,453/mo
Deposit HK$32.06M · loan HK$32.06M · min. income ≈ HK$310,714/mo (50% DSR)
Upfront cash ≈ HK$34.78M (deposit + AVD stamp duty HK$2,724,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,635
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,997
−HK$4,424/mo
Today · 4.125%
HK$171,421
baseline
▲ 0.50% · 4.625%
HK$180,457
+HK$9,036/mo
Deposit HK$32.06M · loan HK$32.06M · min. income ≈ HK$342,842/mo (50% DSR)
Upfront cash ≈ HK$34.78M (deposit + AVD stamp duty HK$2,724,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,428
−HK$11,001/mo
▼ 0.25% · 3.875%
HK$180,885
−HK$5,544/mo
Today · 4.125%
HK$186,429
baseline
▲ 0.50% · 4.625%
HK$197,773
+HK$11,344/mo
Deposit HK$25.64M · loan HK$38.47M · min. income ≈ HK$372,858/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,724,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,162
−HK$10,544/mo
▼ 0.25% · 3.875%
HK$200,396
−HK$5,310/mo
Today · 4.125%
HK$205,706
baseline
▲ 0.50% · 4.625%
HK$216,549
+HK$10,843/mo
Deposit HK$25.64M · loan HK$38.47M · min. income ≈ HK$411,412/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,724,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,666
−HK$12,834/mo
▼ 0.25% · 3.875%
HK$211,032
−HK$6,468/mo
Today · 4.125%
HK$217,500
baseline
▲ 0.50% · 4.625%
HK$230,735
+HK$13,235/mo
Deposit HK$19.23M · loan HK$44.88M · min. income ≈ HK$435,000/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,724,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,689
−HK$12,301/mo
▼ 0.25% · 3.875%
HK$233,795
−HK$6,195/mo
Today · 4.125%
HK$239,990
baseline
▲ 0.50% · 4.625%
HK$252,640
+HK$12,650/mo
Deposit HK$19.23M · loan HK$44.88M · min. income ≈ HK$479,980/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$2,724,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,142
−HK$16,501/mo
▼ 0.25% · 3.875%
HK$271,327
−HK$8,316/mo
Today · 4.125%
HK$279,643
baseline
▲ 0.50% · 4.625%
HK$296,659
+HK$17,016/mo
Deposit HK$6.41M · loan HK$57.70M · min. income ≈ HK$559,286/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,724,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,743
−HK$15,816/mo
▼ 0.25% · 3.875%
HK$300,594
−HK$7,965/mo
Today · 4.125%
HK$308,559
baseline
▲ 0.50% · 4.625%
HK$324,823
+HK$16,264/mo
Deposit HK$6.41M · loan HK$57.70M · min. income ≈ HK$617,118/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$2,724,726 · Scale 2, in force from 26 Feb 2026)