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$142,431
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$146,861
−HK$4,501/mo
Today · 4.125%
HK$151,362
baseline
▲ 0.50% · 4.625%
HK$160,572
+HK$9,210/mo
Deposit HK$31.23M · loan HK$31.23M · min. income ≈ HK$302,724/mo (50% DSR)
Upfront cash ≈ HK$33.89M (deposit + AVD stamp duty HK$2,654,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,453
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$162,702
−HK$4,311/mo
Today · 4.125%
HK$167,013
baseline
▲ 0.50% · 4.625%
HK$175,817
+HK$8,804/mo
Deposit HK$31.23M · loan HK$31.23M · min. income ≈ HK$334,026/mo (50% DSR)
Upfront cash ≈ HK$33.89M (deposit + AVD stamp duty HK$2,654,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,917
−HK$10,718/mo
▼ 0.25% · 3.875%
HK$176,233
−HK$5,402/mo
Today · 4.125%
HK$181,635
baseline
▲ 0.50% · 4.625%
HK$192,687
+HK$11,052/mo
Deposit HK$24.99M · loan HK$37.48M · min. income ≈ HK$363,270/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,654,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,143
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$195,243
−HK$5,173/mo
Today · 4.125%
HK$200,416
baseline
▲ 0.50% · 4.625%
HK$210,980
+HK$10,564/mo
Deposit HK$24.99M · loan HK$37.48M · min. income ≈ HK$400,832/mo (50% DSR)
Upfront cash ≈ HK$27.64M (deposit + AVD stamp duty HK$2,654,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,403
−HK$12,504/mo
▼ 0.25% · 3.875%
HK$205,605
−HK$6,302/mo
Today · 4.125%
HK$211,907
baseline
▲ 0.50% · 4.625%
HK$224,801
+HK$12,894/mo
Deposit HK$18.74M · loan HK$43.72M · min. income ≈ HK$423,814/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,654,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,834
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$227,783
−HK$6,036/mo
Today · 4.125%
HK$233,819
baseline
▲ 0.50% · 4.625%
HK$246,144
+HK$12,325/mo
Deposit HK$18.74M · loan HK$43.72M · min. income ≈ HK$467,638/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$2,654,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,375
−HK$16,077/mo
▼ 0.25% · 3.875%
HK$264,350
−HK$8,102/mo
Today · 4.125%
HK$272,452
baseline
▲ 0.50% · 4.625%
HK$289,030
+HK$16,578/mo
Deposit HK$6.25M · loan HK$56.22M · min. income ≈ HK$544,904/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,654,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,215
−HK$15,409/mo
▼ 0.25% · 3.875%
HK$292,864
−HK$7,760/mo
Today · 4.125%
HK$300,624
baseline
▲ 0.50% · 4.625%
HK$316,470
+HK$15,846/mo
Deposit HK$6.25M · loan HK$56.22M · min. income ≈ HK$601,248/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$2,654,659 · Scale 2, in force from 26 Feb 2026)