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$149,277
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$153,920
−HK$4,717/mo
Today · 4.125%
HK$158,637
baseline
▲ 0.50% · 4.625%
HK$168,290
+HK$9,653/mo
Deposit HK$32.73M · loan HK$32.73M · min. income ≈ HK$317,274/mo (50% DSR)
Upfront cash ≈ HK$35.51M (deposit + AVD stamp duty HK$2,782,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,069
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,523
−HK$4,518/mo
Today · 4.125%
HK$175,041
baseline
▲ 0.50% · 4.625%
HK$184,267
+HK$9,226/mo
Deposit HK$32.73M · loan HK$32.73M · min. income ≈ HK$350,082/mo (50% DSR)
Upfront cash ≈ HK$35.51M (deposit + AVD stamp duty HK$2,782,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,132
−HK$11,233/mo
▼ 0.25% · 3.875%
HK$184,704
−HK$5,661/mo
Today · 4.125%
HK$190,365
baseline
▲ 0.50% · 4.625%
HK$201,948
+HK$11,583/mo
Deposit HK$26.19M · loan HK$39.28M · min. income ≈ HK$380,730/mo (50% DSR)
Upfront cash ≈ HK$28.97M (deposit + AVD stamp duty HK$2,782,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,282
−HK$10,767/mo
▼ 0.25% · 3.875%
HK$204,627
−HK$5,422/mo
Today · 4.125%
HK$210,049
baseline
▲ 0.50% · 4.625%
HK$221,121
+HK$11,072/mo
Deposit HK$26.19M · loan HK$39.28M · min. income ≈ HK$420,098/mo (50% DSR)
Upfront cash ≈ HK$28.97M (deposit + AVD stamp duty HK$2,782,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,987
−HK$13,105/mo
▼ 0.25% · 3.875%
HK$215,488
−HK$6,604/mo
Today · 4.125%
HK$222,092
baseline
▲ 0.50% · 4.625%
HK$235,606
+HK$13,514/mo
Deposit HK$19.64M · loan HK$45.83M · min. income ≈ HK$444,184/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$2,782,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,496
−HK$12,561/mo
▼ 0.25% · 3.875%
HK$238,732
−HK$6,325/mo
Today · 4.125%
HK$245,057
baseline
▲ 0.50% · 4.625%
HK$257,974
+HK$12,917/mo
Deposit HK$19.64M · loan HK$45.83M · min. income ≈ HK$490,114/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$2,782,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,698
−HK$16,849/mo
▼ 0.25% · 3.875%
HK$277,056
−HK$8,491/mo
Today · 4.125%
HK$285,547
baseline
▲ 0.50% · 4.625%
HK$302,922
+HK$17,375/mo
Deposit HK$6.55M · loan HK$58.92M · min. income ≈ HK$571,094/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$2,782,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,924
−HK$16,149/mo
▼ 0.25% · 3.875%
HK$306,941
−HK$8,132/mo
Today · 4.125%
HK$315,073
baseline
▲ 0.50% · 4.625%
HK$331,681
+HK$16,608/mo
Deposit HK$6.55M · loan HK$58.92M · min. income ≈ HK$630,146/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$2,782,254 · Scale 2, in force from 26 Feb 2026)