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$147,401
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$151,986
−HK$4,659/mo
Today · 4.125%
HK$156,645
baseline
▲ 0.50% · 4.625%
HK$166,176
+HK$9,531/mo
Deposit HK$32.32M · loan HK$32.32M · min. income ≈ HK$313,290/mo (50% DSR)
Upfront cash ≈ HK$35.07M (deposit + AVD stamp duty HK$2,747,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,983
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$168,381
−HK$4,461/mo
Today · 4.125%
HK$172,842
baseline
▲ 0.50% · 4.625%
HK$181,953
+HK$9,111/mo
Deposit HK$32.32M · loan HK$32.32M · min. income ≈ HK$345,684/mo (50% DSR)
Upfront cash ≈ HK$35.07M (deposit + AVD stamp duty HK$2,747,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,882
−HK$11,092/mo
▼ 0.25% · 3.875%
HK$182,384
−HK$5,590/mo
Today · 4.125%
HK$187,974
baseline
▲ 0.50% · 4.625%
HK$199,412
+HK$11,438/mo
Deposit HK$25.86M · loan HK$38.79M · min. income ≈ HK$375,948/mo (50% DSR)
Upfront cash ≈ HK$28.60M (deposit + AVD stamp duty HK$2,747,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,779
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$202,057
−HK$5,354/mo
Today · 4.125%
HK$207,411
baseline
▲ 0.50% · 4.625%
HK$218,343
+HK$10,932/mo
Deposit HK$25.86M · loan HK$38.79M · min. income ≈ HK$414,822/mo (50% DSR)
Upfront cash ≈ HK$28.60M (deposit + AVD stamp duty HK$2,747,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,362
−HK$12,941/mo
▼ 0.25% · 3.875%
HK$212,781
−HK$6,522/mo
Today · 4.125%
HK$219,303
baseline
▲ 0.50% · 4.625%
HK$232,647
+HK$13,344/mo
Deposit HK$19.39M · loan HK$45.25M · min. income ≈ HK$438,606/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,747,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,576
−HK$12,403/mo
▼ 0.25% · 3.875%
HK$235,733
−HK$6,246/mo
Today · 4.125%
HK$241,979
baseline
▲ 0.50% · 4.625%
HK$254,734
+HK$12,755/mo
Deposit HK$19.39M · loan HK$45.25M · min. income ≈ HK$483,958/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,747,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,323
−HK$16,638/mo
▼ 0.25% · 3.875%
HK$273,576
−HK$8,385/mo
Today · 4.125%
HK$281,961
baseline
▲ 0.50% · 4.625%
HK$299,117
+HK$17,156/mo
Deposit HK$6.46M · loan HK$58.18M · min. income ≈ HK$563,922/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$2,747,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,169
−HK$15,947/mo
▼ 0.25% · 3.875%
HK$303,085
−HK$8,031/mo
Today · 4.125%
HK$311,116
baseline
▲ 0.50% · 4.625%
HK$327,515
+HK$16,399/mo
Deposit HK$6.46M · loan HK$58.18M · min. income ≈ HK$622,232/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$2,747,306 · Scale 2, in force from 26 Feb 2026)