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$142,264
−HK$8,921/mo
▼ 0.25% · 3.875%
HK$146,689
−HK$4,496/mo
Today · 4.125%
HK$151,185
baseline
▲ 0.50% · 4.625%
HK$160,385
+HK$9,200/mo
Deposit HK$31.19M · loan HK$31.19M · min. income ≈ HK$302,370/mo (50% DSR)
Upfront cash ≈ HK$33.85M (deposit + AVD stamp duty HK$2,651,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,267
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$162,512
−HK$4,306/mo
Today · 4.125%
HK$166,818
baseline
▲ 0.50% · 4.625%
HK$175,611
+HK$8,793/mo
Deposit HK$31.19M · loan HK$31.19M · min. income ≈ HK$333,636/mo (50% DSR)
Upfront cash ≈ HK$33.85M (deposit + AVD stamp duty HK$2,651,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,717
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$176,027
−HK$5,395/mo
Today · 4.125%
HK$181,422
baseline
▲ 0.50% · 4.625%
HK$192,462
+HK$11,040/mo
Deposit HK$24.96M · loan HK$37.43M · min. income ≈ HK$362,844/mo (50% DSR)
Upfront cash ≈ HK$27.61M (deposit + AVD stamp duty HK$2,651,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,921
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$195,014
−HK$5,168/mo
Today · 4.125%
HK$200,182
baseline
▲ 0.50% · 4.625%
HK$210,734
+HK$10,552/mo
Deposit HK$24.96M · loan HK$37.43M · min. income ≈ HK$400,364/mo (50% DSR)
Upfront cash ≈ HK$27.61M (deposit + AVD stamp duty HK$2,651,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,170
−HK$12,489/mo
▼ 0.25% · 3.875%
HK$205,365
−HK$6,294/mo
Today · 4.125%
HK$211,659
baseline
▲ 0.50% · 4.625%
HK$224,538
+HK$12,879/mo
Deposit HK$18.72M · loan HK$43.67M · min. income ≈ HK$423,318/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,651,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,574
−HK$11,971/mo
▼ 0.25% · 3.875%
HK$227,517
−HK$6,028/mo
Today · 4.125%
HK$233,545
baseline
▲ 0.50% · 4.625%
HK$245,856
+HK$12,311/mo
Deposit HK$18.72M · loan HK$43.67M · min. income ≈ HK$467,090/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$2,651,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,075
−HK$16,059/mo
▼ 0.25% · 3.875%
HK$264,041
−HK$8,093/mo
Today · 4.125%
HK$272,134
baseline
▲ 0.50% · 4.625%
HK$288,692
+HK$16,558/mo
Deposit HK$6.24M · loan HK$56.15M · min. income ≈ HK$544,268/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,651,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,881
−HK$15,392/mo
▼ 0.25% · 3.875%
HK$292,522
−HK$7,751/mo
Today · 4.125%
HK$300,273
baseline
▲ 0.50% · 4.625%
HK$316,100
+HK$15,827/mo
Deposit HK$6.24M · loan HK$56.15M · min. income ≈ HK$600,546/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,651,555 · Scale 2, in force from 26 Feb 2026)