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$141,879
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$146,293
−HK$4,484/mo
Today · 4.125%
HK$150,777
baseline
▲ 0.50% · 4.625%
HK$159,951
+HK$9,174/mo
Deposit HK$31.11M · loan HK$31.11M · min. income ≈ HK$301,554/mo (50% DSR)
Upfront cash ≈ HK$33.75M (deposit + AVD stamp duty HK$2,644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,840
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$162,073
−HK$4,294/mo
Today · 4.125%
HK$166,367
baseline
▲ 0.50% · 4.625%
HK$175,137
+HK$8,770/mo
Deposit HK$31.11M · loan HK$31.11M · min. income ≈ HK$332,734/mo (50% DSR)
Upfront cash ≈ HK$33.75M (deposit + AVD stamp duty HK$2,644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,255
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$175,551
−HK$5,381/mo
Today · 4.125%
HK$180,932
baseline
▲ 0.50% · 4.625%
HK$191,941
+HK$11,009/mo
Deposit HK$24.89M · loan HK$37.33M · min. income ≈ HK$361,864/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,407
−HK$10,234/mo
▼ 0.25% · 3.875%
HK$194,487
−HK$5,154/mo
Today · 4.125%
HK$199,641
baseline
▲ 0.50% · 4.625%
HK$210,164
+HK$10,523/mo
Deposit HK$24.89M · loan HK$37.33M · min. income ≈ HK$399,282/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,631
−HK$12,456/mo
▼ 0.25% · 3.875%
HK$204,810
−HK$6,277/mo
Today · 4.125%
HK$211,087
baseline
▲ 0.50% · 4.625%
HK$223,931
+HK$12,844/mo
Deposit HK$18.67M · loan HK$43.55M · min. income ≈ HK$422,174/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,975
−HK$11,939/mo
▼ 0.25% · 3.875%
HK$226,902
−HK$6,012/mo
Today · 4.125%
HK$232,914
baseline
▲ 0.50% · 4.625%
HK$245,191
+HK$12,277/mo
Deposit HK$18.67M · loan HK$43.55M · min. income ≈ HK$465,828/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,383
−HK$16,015/mo
▼ 0.25% · 3.875%
HK$263,327
−HK$8,071/mo
Today · 4.125%
HK$271,398
baseline
▲ 0.50% · 4.625%
HK$287,912
+HK$16,514/mo
Deposit HK$6.22M · loan HK$56.00M · min. income ≈ HK$542,796/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,111
−HK$15,350/mo
▼ 0.25% · 3.875%
HK$291,731
−HK$7,730/mo
Today · 4.125%
HK$299,461
baseline
▲ 0.50% · 4.625%
HK$315,246
+HK$15,785/mo
Deposit HK$6.22M · loan HK$56.00M · min. income ≈ HK$598,922/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,644,387 · Scale 2, in force from 26 Feb 2026)