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$145,955
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$150,496
−HK$4,612/mo
Today · 4.125%
HK$155,108
baseline
▲ 0.50% · 4.625%
HK$164,546
+HK$9,438/mo
Deposit HK$32.00M · loan HK$32.00M · min. income ≈ HK$310,216/mo (50% DSR)
Upfront cash ≈ HK$34.72M (deposit + AVD stamp duty HK$2,720,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,374
−HK$8,773/mo
▼ 0.25% · 3.875%
HK$166,729
−HK$4,418/mo
Today · 4.125%
HK$171,147
baseline
▲ 0.50% · 4.625%
HK$180,168
+HK$9,021/mo
Deposit HK$32.00M · loan HK$32.00M · min. income ≈ HK$342,294/mo (50% DSR)
Upfront cash ≈ HK$34.72M (deposit + AVD stamp duty HK$2,720,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,147
−HK$10,983/mo
▼ 0.25% · 3.875%
HK$180,595
−HK$5,535/mo
Today · 4.125%
HK$186,130
baseline
▲ 0.50% · 4.625%
HK$197,455
+HK$11,325/mo
Deposit HK$25.60M · loan HK$38.41M · min. income ≈ HK$372,260/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,720,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,849
−HK$10,527/mo
▼ 0.25% · 3.875%
HK$200,075
−HK$5,301/mo
Today · 4.125%
HK$205,376
baseline
▲ 0.50% · 4.625%
HK$216,202
+HK$10,826/mo
Deposit HK$25.60M · loan HK$38.41M · min. income ≈ HK$410,752/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,720,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,338
−HK$12,813/mo
▼ 0.25% · 3.875%
HK$210,694
−HK$6,457/mo
Today · 4.125%
HK$217,151
baseline
▲ 0.50% · 4.625%
HK$230,365
+HK$13,214/mo
Deposit HK$19.20M · loan HK$44.81M · min. income ≈ HK$434,302/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,720,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,324
−HK$12,281/mo
▼ 0.25% · 3.875%
HK$233,420
−HK$6,185/mo
Today · 4.125%
HK$239,605
baseline
▲ 0.50% · 4.625%
HK$252,235
+HK$12,630/mo
Deposit HK$19.20M · loan HK$44.81M · min. income ≈ HK$479,210/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,720,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,720
−HK$16,475/mo
▼ 0.25% · 3.875%
HK$270,892
−HK$8,303/mo
Today · 4.125%
HK$279,195
baseline
▲ 0.50% · 4.625%
HK$296,183
+HK$16,988/mo
Deposit HK$6.40M · loan HK$57.61M · min. income ≈ HK$558,390/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,720,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,273
−HK$15,791/mo
▼ 0.25% · 3.875%
HK$300,112
−HK$7,952/mo
Today · 4.125%
HK$308,064
baseline
▲ 0.50% · 4.625%
HK$324,302
+HK$16,238/mo
Deposit HK$6.40M · loan HK$57.61M · min. income ≈ HK$616,128/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,720,356 · Scale 2, in force from 26 Feb 2026)