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$141,524
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$145,927
−HK$4,472/mo
Today · 4.125%
HK$150,399
baseline
▲ 0.50% · 4.625%
HK$159,551
+HK$9,152/mo
Deposit HK$31.03M · loan HK$31.03M · min. income ≈ HK$300,798/mo (50% DSR)
Upfront cash ≈ HK$33.67M (deposit + AVD stamp duty HK$2,637,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,444
−HK$8,507/mo
▼ 0.25% · 3.875%
HK$161,667
−HK$4,284/mo
Today · 4.125%
HK$165,951
baseline
▲ 0.50% · 4.625%
HK$174,698
+HK$8,747/mo
Deposit HK$31.03M · loan HK$31.03M · min. income ≈ HK$331,902/mo (50% DSR)
Upfront cash ≈ HK$33.67M (deposit + AVD stamp duty HK$2,637,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,829
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$175,112
−HK$5,367/mo
Today · 4.125%
HK$180,479
baseline
▲ 0.50% · 4.625%
HK$191,461
+HK$10,982/mo
Deposit HK$24.83M · loan HK$37.24M · min. income ≈ HK$360,958/mo (50% DSR)
Upfront cash ≈ HK$27.46M (deposit + AVD stamp duty HK$2,637,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,933
−HK$10,208/mo
▼ 0.25% · 3.875%
HK$194,000
−HK$5,141/mo
Today · 4.125%
HK$199,141
baseline
▲ 0.50% · 4.625%
HK$209,638
+HK$10,497/mo
Deposit HK$24.83M · loan HK$37.24M · min. income ≈ HK$398,282/mo (50% DSR)
Upfront cash ≈ HK$27.46M (deposit + AVD stamp duty HK$2,637,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,134
−HK$12,425/mo
▼ 0.25% · 3.875%
HK$204,297
−HK$6,262/mo
Today · 4.125%
HK$210,559
baseline
▲ 0.50% · 4.625%
HK$223,371
+HK$12,812/mo
Deposit HK$18.62M · loan HK$43.45M · min. income ≈ HK$421,118/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,637,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,422
−HK$11,909/mo
▼ 0.25% · 3.875%
HK$226,334
−HK$5,997/mo
Today · 4.125%
HK$232,331
baseline
▲ 0.50% · 4.625%
HK$244,577
+HK$12,246/mo
Deposit HK$18.62M · loan HK$43.45M · min. income ≈ HK$464,662/mo (50% DSR)
Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,637,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,744
−HK$15,974/mo
▼ 0.25% · 3.875%
HK$262,668
−HK$8,050/mo
Today · 4.125%
HK$270,718
baseline
▲ 0.50% · 4.625%
HK$287,191
+HK$16,473/mo
Deposit HK$6.21M · loan HK$55.86M · min. income ≈ HK$541,436/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,637,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,400
−HK$15,311/mo
▼ 0.25% · 3.875%
HK$291,001
−HK$7,710/mo
Today · 4.125%
HK$298,711
baseline
▲ 0.50% · 4.625%
HK$314,457
+HK$15,746/mo
Deposit HK$6.21M · loan HK$55.86M · min. income ≈ HK$597,422/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,637,767 · Scale 2, in force from 26 Feb 2026)