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$141,393
−HK$8,866/mo
▼ 0.25% · 3.875%
HK$145,791
−HK$4,468/mo
Today · 4.125%
HK$150,259
baseline
▲ 0.50% · 4.625%
HK$159,402
+HK$9,143/mo
Deposit HK$31.00M · loan HK$31.00M · min. income ≈ HK$300,518/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,298
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$161,517
−HK$4,279/mo
Today · 4.125%
HK$165,796
baseline
▲ 0.50% · 4.625%
HK$174,536
+HK$8,740/mo
Deposit HK$31.00M · loan HK$31.00M · min. income ≈ HK$331,592/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,671
−HK$10,640/mo
▼ 0.25% · 3.875%
HK$174,949
−HK$5,362/mo
Today · 4.125%
HK$180,311
baseline
▲ 0.50% · 4.625%
HK$191,283
+HK$10,972/mo
Deposit HK$24.80M · loan HK$37.20M · min. income ≈ HK$360,622/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,758
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$193,820
−HK$5,136/mo
Today · 4.125%
HK$198,956
baseline
▲ 0.50% · 4.625%
HK$209,443
+HK$10,487/mo
Deposit HK$24.80M · loan HK$37.20M · min. income ≈ HK$397,912/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,950
−HK$12,413/mo
▼ 0.25% · 3.875%
HK$204,107
−HK$6,256/mo
Today · 4.125%
HK$210,363
baseline
▲ 0.50% · 4.625%
HK$223,163
+HK$12,800/mo
Deposit HK$18.60M · loan HK$43.41M · min. income ≈ HK$420,726/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,217
−HK$11,898/mo
▼ 0.25% · 3.875%
HK$226,123
−HK$5,992/mo
Today · 4.125%
HK$232,115
baseline
▲ 0.50% · 4.625%
HK$244,350
+HK$12,235/mo
Deposit HK$18.60M · loan HK$43.41M · min. income ≈ HK$464,230/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,507
−HK$15,960/mo
▼ 0.25% · 3.875%
HK$262,424
−HK$8,043/mo
Today · 4.125%
HK$270,467
baseline
▲ 0.50% · 4.625%
HK$286,924
+HK$16,457/mo
Deposit HK$6.20M · loan HK$55.81M · min. income ≈ HK$540,934/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,137
−HK$15,297/mo
▼ 0.25% · 3.875%
HK$290,730
−HK$7,704/mo
Today · 4.125%
HK$298,434
baseline
▲ 0.50% · 4.625%
HK$314,164
+HK$15,730/mo
Deposit HK$6.20M · loan HK$55.81M · min. income ≈ HK$596,868/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,316 · Scale 2, in force from 26 Feb 2026)