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$144,942
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$149,450
−HK$4,581/mo
Today · 4.125%
HK$154,031
baseline
▲ 0.50% · 4.625%
HK$163,403
+HK$9,372/mo
Deposit HK$31.78M · loan HK$31.78M · min. income ≈ HK$308,062/mo (50% DSR)
Upfront cash ≈ HK$34.48M (deposit + AVD stamp duty HK$2,701,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,246
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,571
−HK$4,387/mo
Today · 4.125%
HK$169,958
baseline
▲ 0.50% · 4.625%
HK$178,917
+HK$8,959/mo
Deposit HK$31.78M · loan HK$31.78M · min. income ≈ HK$339,916/mo (50% DSR)
Upfront cash ≈ HK$34.48M (deposit + AVD stamp duty HK$2,701,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,930
−HK$10,907/mo
▼ 0.25% · 3.875%
HK$179,340
−HK$5,497/mo
Today · 4.125%
HK$184,837
baseline
▲ 0.50% · 4.625%
HK$196,084
+HK$11,247/mo
Deposit HK$25.43M · loan HK$38.14M · min. income ≈ HK$369,674/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,701,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,496
−HK$10,454/mo
▼ 0.25% · 3.875%
HK$198,685
−HK$5,265/mo
Today · 4.125%
HK$203,950
baseline
▲ 0.50% · 4.625%
HK$214,700
+HK$10,750/mo
Deposit HK$25.43M · loan HK$38.14M · min. income ≈ HK$407,900/mo (50% DSR)
Upfront cash ≈ HK$28.13M (deposit + AVD stamp duty HK$2,701,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,919
−HK$12,724/mo
▼ 0.25% · 3.875%
HK$209,231
−HK$6,412/mo
Today · 4.125%
HK$215,643
baseline
▲ 0.50% · 4.625%
HK$228,765
+HK$13,122/mo
Deposit HK$19.07M · loan HK$44.49M · min. income ≈ HK$431,286/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,701,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,745
−HK$12,196/mo
▼ 0.25% · 3.875%
HK$231,799
−HK$6,142/mo
Today · 4.125%
HK$237,941
baseline
▲ 0.50% · 4.625%
HK$250,483
+HK$12,542/mo
Deposit HK$19.07M · loan HK$44.49M · min. income ≈ HK$475,882/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$2,701,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,895
−HK$16,361/mo
▼ 0.25% · 3.875%
HK$269,011
−HK$8,245/mo
Today · 4.125%
HK$277,256
baseline
▲ 0.50% · 4.625%
HK$294,126
+HK$16,870/mo
Deposit HK$6.36M · loan HK$57.21M · min. income ≈ HK$554,512/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,701,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,244
−HK$15,680/mo
▼ 0.25% · 3.875%
HK$298,028
−HK$7,896/mo
Today · 4.125%
HK$305,924
baseline
▲ 0.50% · 4.625%
HK$322,050
+HK$16,126/mo
Deposit HK$6.36M · loan HK$57.21M · min. income ≈ HK$611,848/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$2,701,464 · Scale 2, in force from 26 Feb 2026)