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$144,704
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$149,206
−HK$4,573/mo
Today · 4.125%
HK$153,779
baseline
▲ 0.50% · 4.625%
HK$163,136
+HK$9,357/mo
Deposit HK$31.73M · loan HK$31.73M · min. income ≈ HK$307,558/mo (50% DSR)
Upfront cash ≈ HK$34.43M (deposit + AVD stamp duty HK$2,697,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,982
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$165,300
−HK$4,380/mo
Today · 4.125%
HK$169,680
baseline
▲ 0.50% · 4.625%
HK$178,624
+HK$8,944/mo
Deposit HK$31.73M · loan HK$31.73M · min. income ≈ HK$339,360/mo (50% DSR)
Upfront cash ≈ HK$34.43M (deposit + AVD stamp duty HK$2,697,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,645
−HK$10,889/mo
▼ 0.25% · 3.875%
HK$179,047
−HK$5,487/mo
Today · 4.125%
HK$184,534
baseline
▲ 0.50% · 4.625%
HK$195,763
+HK$11,229/mo
Deposit HK$25.38M · loan HK$38.08M · min. income ≈ HK$369,068/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,697,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,179
−HK$10,437/mo
▼ 0.25% · 3.875%
HK$198,360
−HK$5,256/mo
Today · 4.125%
HK$203,616
baseline
▲ 0.50% · 4.625%
HK$214,348
+HK$10,732/mo
Deposit HK$25.38M · loan HK$38.08M · min. income ≈ HK$407,232/mo (50% DSR)
Upfront cash ≈ HK$28.08M (deposit + AVD stamp duty HK$2,697,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,586
−HK$12,704/mo
▼ 0.25% · 3.875%
HK$208,888
−HK$6,402/mo
Today · 4.125%
HK$215,290
baseline
▲ 0.50% · 4.625%
HK$228,390
+HK$13,100/mo
Deposit HK$19.04M · loan HK$44.42M · min. income ≈ HK$430,580/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,697,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,375
−HK$12,177/mo
▼ 0.25% · 3.875%
HK$231,420
−HK$6,132/mo
Today · 4.125%
HK$237,552
baseline
▲ 0.50% · 4.625%
HK$250,073
+HK$12,521/mo
Deposit HK$19.04M · loan HK$44.42M · min. income ≈ HK$475,104/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,697,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,468
−HK$16,334/mo
▼ 0.25% · 3.875%
HK$268,570
−HK$8,232/mo
Today · 4.125%
HK$276,802
baseline
▲ 0.50% · 4.625%
HK$293,644
+HK$16,842/mo
Deposit HK$6.35M · loan HK$57.11M · min. income ≈ HK$553,604/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,697,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$289,768
−HK$15,655/mo
▼ 0.25% · 3.875%
HK$297,540
−HK$7,883/mo
Today · 4.125%
HK$305,423
baseline
▲ 0.50% · 4.625%
HK$321,523
+HK$16,100/mo
Deposit HK$6.35M · loan HK$57.11M · min. income ≈ HK$610,846/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$2,697,040 · Scale 2, in force from 26 Feb 2026)