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$145,132
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$149,647
−HK$4,586/mo
Today · 4.125%
HK$154,233
baseline
▲ 0.50% · 4.625%
HK$163,618
+HK$9,385/mo
Deposit HK$31.82M · loan HK$31.82M · min. income ≈ HK$308,466/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$2,705,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,458
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$165,789
−HK$4,392/mo
Today · 4.125%
HK$170,181
baseline
▲ 0.50% · 4.625%
HK$179,152
+HK$8,971/mo
Deposit HK$31.82M · loan HK$31.82M · min. income ≈ HK$340,362/mo (50% DSR)
Upfront cash ≈ HK$34.53M (deposit + AVD stamp duty HK$2,705,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,159
−HK$10,921/mo
▼ 0.25% · 3.875%
HK$179,576
−HK$5,504/mo
Today · 4.125%
HK$185,080
baseline
▲ 0.50% · 4.625%
HK$196,342
+HK$11,262/mo
Deposit HK$25.46M · loan HK$38.19M · min. income ≈ HK$370,160/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,705,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,750
−HK$10,468/mo
▼ 0.25% · 3.875%
HK$198,946
−HK$5,272/mo
Today · 4.125%
HK$204,218
baseline
▲ 0.50% · 4.625%
HK$214,982
+HK$10,764/mo
Deposit HK$25.46M · loan HK$38.19M · min. income ≈ HK$408,436/mo (50% DSR)
Upfront cash ≈ HK$28.16M (deposit + AVD stamp duty HK$2,705,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,185
−HK$12,742/mo
▼ 0.25% · 3.875%
HK$209,506
−HK$6,421/mo
Today · 4.125%
HK$215,927
baseline
▲ 0.50% · 4.625%
HK$229,066
+HK$13,139/mo
Deposit HK$19.09M · loan HK$44.55M · min. income ≈ HK$431,854/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,705,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,042
−HK$12,212/mo
▼ 0.25% · 3.875%
HK$232,104
−HK$6,150/mo
Today · 4.125%
HK$238,254
baseline
▲ 0.50% · 4.625%
HK$250,813
+HK$12,559/mo
Deposit HK$19.09M · loan HK$44.55M · min. income ≈ HK$476,508/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,705,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,238
−HK$16,382/mo
▼ 0.25% · 3.875%
HK$269,364
−HK$8,256/mo
Today · 4.125%
HK$277,620
baseline
▲ 0.50% · 4.625%
HK$294,513
+HK$16,893/mo
Deposit HK$6.36M · loan HK$57.28M · min. income ≈ HK$555,240/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,705,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,625
−HK$15,702/mo
▼ 0.25% · 3.875%
HK$298,419
−HK$7,908/mo
Today · 4.125%
HK$306,327
baseline
▲ 0.50% · 4.625%
HK$322,473
+HK$16,146/mo
Deposit HK$6.36M · loan HK$57.28M · min. income ≈ HK$612,654/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$2,705,015 · Scale 2, in force from 26 Feb 2026)