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$142,033
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$146,452
−HK$4,488/mo
Today · 4.125%
HK$150,940
baseline
▲ 0.50% · 4.625%
HK$160,125
+HK$9,185/mo
Deposit HK$31.14M · loan HK$31.14M · min. income ≈ HK$301,880/mo (50% DSR)
Upfront cash ≈ HK$33.79M (deposit + AVD stamp duty HK$2,647,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,011
−HK$8,537/mo
▼ 0.25% · 3.875%
HK$162,249
−HK$4,299/mo
Today · 4.125%
HK$166,548
baseline
▲ 0.50% · 4.625%
HK$175,327
+HK$8,779/mo
Deposit HK$31.14M · loan HK$31.14M · min. income ≈ HK$333,096/mo (50% DSR)
Upfront cash ≈ HK$33.79M (deposit + AVD stamp duty HK$2,647,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,440
−HK$10,688/mo
▼ 0.25% · 3.875%
HK$175,742
−HK$5,386/mo
Today · 4.125%
HK$181,128
baseline
▲ 0.50% · 4.625%
HK$192,149
+HK$11,021/mo
Deposit HK$24.92M · loan HK$37.37M · min. income ≈ HK$362,256/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,647,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,613
−HK$10,244/mo
▼ 0.25% · 3.875%
HK$194,698
−HK$5,159/mo
Today · 4.125%
HK$199,857
baseline
▲ 0.50% · 4.625%
HK$210,392
+HK$10,535/mo
Deposit HK$24.92M · loan HK$37.37M · min. income ≈ HK$399,714/mo (50% DSR)
Upfront cash ≈ HK$27.56M (deposit + AVD stamp duty HK$2,647,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,847
−HK$12,469/mo
▼ 0.25% · 3.875%
HK$205,032
−HK$6,284/mo
Today · 4.125%
HK$211,316
baseline
▲ 0.50% · 4.625%
HK$224,174
+HK$12,858/mo
Deposit HK$18.69M · loan HK$43.60M · min. income ≈ HK$422,632/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,647,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,215
−HK$11,952/mo
▼ 0.25% · 3.875%
HK$227,148
−HK$6,019/mo
Today · 4.125%
HK$233,167
baseline
▲ 0.50% · 4.625%
HK$245,457
+HK$12,290/mo
Deposit HK$18.69M · loan HK$43.60M · min. income ≈ HK$466,334/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$2,647,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,660
−HK$16,032/mo
▼ 0.25% · 3.875%
HK$263,613
−HK$8,079/mo
Today · 4.125%
HK$271,692
baseline
▲ 0.50% · 4.625%
HK$288,224
+HK$16,532/mo
Deposit HK$6.23M · loan HK$56.06M · min. income ≈ HK$543,384/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,647,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,419
−HK$15,367/mo
▼ 0.25% · 3.875%
HK$292,047
−HK$7,739/mo
Today · 4.125%
HK$299,786
baseline
▲ 0.50% · 4.625%
HK$315,588
+HK$15,802/mo
Deposit HK$6.23M · loan HK$56.06M · min. income ≈ HK$599,572/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,647,256 · Scale 2, in force from 26 Feb 2026)