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$142,568
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$147,002
−HK$4,506/mo
Today · 4.125%
HK$151,508
baseline
▲ 0.50% · 4.625%
HK$160,727
+HK$9,219/mo
Deposit HK$31.26M · loan HK$31.26M · min. income ≈ HK$303,016/mo (50% DSR)
Upfront cash ≈ HK$33.92M (deposit + AVD stamp duty HK$2,657,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,605
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$162,859
−HK$4,315/mo
Today · 4.125%
HK$167,174
baseline
▲ 0.50% · 4.625%
HK$175,986
+HK$8,812/mo
Deposit HK$31.26M · loan HK$31.26M · min. income ≈ HK$334,348/mo (50% DSR)
Upfront cash ≈ HK$33.92M (deposit + AVD stamp duty HK$2,657,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,081
−HK$10,729/mo
▼ 0.25% · 3.875%
HK$176,403
−HK$5,407/mo
Today · 4.125%
HK$181,810
baseline
▲ 0.50% · 4.625%
HK$192,872
+HK$11,062/mo
Deposit HK$25.01M · loan HK$37.51M · min. income ≈ HK$363,620/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,657,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,326
−HK$10,283/mo
▼ 0.25% · 3.875%
HK$195,431
−HK$5,178/mo
Today · 4.125%
HK$200,609
baseline
▲ 0.50% · 4.625%
HK$211,183
+HK$10,574/mo
Deposit HK$25.01M · loan HK$37.51M · min. income ≈ HK$401,218/mo (50% DSR)
Upfront cash ≈ HK$27.67M (deposit + AVD stamp duty HK$2,657,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,595
−HK$12,516/mo
▼ 0.25% · 3.875%
HK$205,803
−HK$6,308/mo
Today · 4.125%
HK$212,111
baseline
▲ 0.50% · 4.625%
HK$225,018
+HK$12,907/mo
Deposit HK$18.76M · loan HK$43.77M · min. income ≈ HK$424,222/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,657,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,047
−HK$11,997/mo
▼ 0.25% · 3.875%
HK$228,002
−HK$6,042/mo
Today · 4.125%
HK$234,044
baseline
▲ 0.50% · 4.625%
HK$246,380
+HK$12,336/mo
Deposit HK$18.76M · loan HK$43.77M · min. income ≈ HK$468,088/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$2,657,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,622
−HK$16,092/mo
▼ 0.25% · 3.875%
HK$264,604
−HK$8,110/mo
Today · 4.125%
HK$272,714
baseline
▲ 0.50% · 4.625%
HK$289,308
+HK$16,594/mo
Deposit HK$6.25M · loan HK$56.27M · min. income ≈ HK$545,428/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,657,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,489
−HK$15,424/mo
▼ 0.25% · 3.875%
HK$293,146
−HK$7,767/mo
Today · 4.125%
HK$300,913
baseline
▲ 0.50% · 4.625%
HK$316,775
+HK$15,862/mo
Deposit HK$6.25M · loan HK$56.27M · min. income ≈ HK$601,826/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$2,657,213 · Scale 2, in force from 26 Feb 2026)