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$141,796
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$146,207
−HK$4,481/mo
Today · 4.125%
HK$150,688
baseline
▲ 0.50% · 4.625%
HK$159,857
+HK$9,169/mo
Deposit HK$31.09M · loan HK$31.09M · min. income ≈ HK$301,376/mo (50% DSR)
Upfront cash ≈ HK$33.73M (deposit + AVD stamp duty HK$2,642,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,747
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$161,977
−HK$4,292/mo
Today · 4.125%
HK$166,269
baseline
▲ 0.50% · 4.625%
HK$175,033
+HK$8,764/mo
Deposit HK$31.09M · loan HK$31.09M · min. income ≈ HK$332,538/mo (50% DSR)
Upfront cash ≈ HK$33.73M (deposit + AVD stamp duty HK$2,642,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,155
−HK$10,670/mo
▼ 0.25% · 3.875%
HK$175,448
−HK$5,377/mo
Today · 4.125%
HK$180,825
baseline
▲ 0.50% · 4.625%
HK$191,828
+HK$11,003/mo
Deposit HK$24.87M · loan HK$37.31M · min. income ≈ HK$361,650/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,642,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,296
−HK$10,227/mo
▼ 0.25% · 3.875%
HK$194,373
−HK$5,150/mo
Today · 4.125%
HK$199,523
baseline
▲ 0.50% · 4.625%
HK$210,040
+HK$10,517/mo
Deposit HK$24.87M · loan HK$37.31M · min. income ≈ HK$399,046/mo (50% DSR)
Upfront cash ≈ HK$27.52M (deposit + AVD stamp duty HK$2,642,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,514
−HK$12,449/mo
▼ 0.25% · 3.875%
HK$204,689
−HK$6,274/mo
Today · 4.125%
HK$210,963
baseline
▲ 0.50% · 4.625%
HK$223,800
+HK$12,837/mo
Deposit HK$18.66M · loan HK$43.53M · min. income ≈ HK$421,926/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,642,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,845
−HK$11,932/mo
▼ 0.25% · 3.875%
HK$226,768
−HK$6,009/mo
Today · 4.125%
HK$232,777
baseline
▲ 0.50% · 4.625%
HK$245,047
+HK$12,270/mo
Deposit HK$18.66M · loan HK$43.53M · min. income ≈ HK$465,554/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$2,642,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,233
−HK$16,005/mo
▼ 0.25% · 3.875%
HK$263,172
−HK$8,066/mo
Today · 4.125%
HK$271,238
baseline
▲ 0.50% · 4.625%
HK$287,742
+HK$16,504/mo
Deposit HK$6.22M · loan HK$55.97M · min. income ≈ HK$542,476/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$2,642,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,944
−HK$15,340/mo
▼ 0.25% · 3.875%
HK$291,559
−HK$7,725/mo
Today · 4.125%
HK$299,284
baseline
▲ 0.50% · 4.625%
HK$315,060
+HK$15,776/mo
Deposit HK$6.22M · loan HK$55.97M · min. income ≈ HK$598,568/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$2,642,830 · Scale 2, in force from 26 Feb 2026)