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$142,188
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$146,611
−HK$4,493/mo
Today · 4.125%
HK$151,104
baseline
▲ 0.50% · 4.625%
HK$160,299
+HK$9,195/mo
Deposit HK$31.18M · loan HK$31.18M · min. income ≈ HK$302,208/mo (50% DSR)
Upfront cash ≈ HK$33.83M (deposit + AVD stamp duty HK$2,650,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,183
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$162,425
−HK$4,304/mo
Today · 4.125%
HK$166,729
baseline
▲ 0.50% · 4.625%
HK$175,517
+HK$8,788/mo
Deposit HK$31.18M · loan HK$31.18M · min. income ≈ HK$333,458/mo (50% DSR)
Upfront cash ≈ HK$33.83M (deposit + AVD stamp duty HK$2,650,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,626
−HK$10,699/mo
▼ 0.25% · 3.875%
HK$175,933
−HK$5,392/mo
Today · 4.125%
HK$181,325
baseline
▲ 0.50% · 4.625%
HK$192,358
+HK$11,033/mo
Deposit HK$24.94M · loan HK$37.41M · min. income ≈ HK$362,650/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,650,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,819
−HK$10,256/mo
▼ 0.25% · 3.875%
HK$194,910
−HK$5,165/mo
Today · 4.125%
HK$200,075
baseline
▲ 0.50% · 4.625%
HK$210,621
+HK$10,546/mo
Deposit HK$24.94M · loan HK$37.41M · min. income ≈ HK$400,150/mo (50% DSR)
Upfront cash ≈ HK$27.59M (deposit + AVD stamp duty HK$2,650,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,063
−HK$12,483/mo
▼ 0.25% · 3.875%
HK$205,255
−HK$6,291/mo
Today · 4.125%
HK$211,546
baseline
▲ 0.50% · 4.625%
HK$224,418
+HK$12,872/mo
Deposit HK$18.71M · loan HK$43.65M · min. income ≈ HK$423,092/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,650,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,456
−HK$11,964/mo
▼ 0.25% · 3.875%
HK$227,395
−HK$6,025/mo
Today · 4.125%
HK$233,420
baseline
▲ 0.50% · 4.625%
HK$245,724
+HK$12,304/mo
Deposit HK$18.71M · loan HK$43.65M · min. income ≈ HK$466,840/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$2,650,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,938
−HK$16,050/mo
▼ 0.25% · 3.875%
HK$263,899
−HK$8,089/mo
Today · 4.125%
HK$271,988
baseline
▲ 0.50% · 4.625%
HK$288,538
+HK$16,550/mo
Deposit HK$6.24M · loan HK$56.12M · min. income ≈ HK$543,976/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,650,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,729
−HK$15,383/mo
▼ 0.25% · 3.875%
HK$292,365
−HK$7,747/mo
Today · 4.125%
HK$300,112
baseline
▲ 0.50% · 4.625%
HK$315,931
+HK$15,819/mo
Deposit HK$6.24M · loan HK$56.12M · min. income ≈ HK$600,224/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$2,650,136 · Scale 2, in force from 26 Feb 2026)