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$141,411
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$145,810
−HK$4,469/mo
Today · 4.125%
HK$150,279
baseline
▲ 0.50% · 4.625%
HK$159,423
+HK$9,144/mo
Deposit HK$31.01M · loan HK$31.01M · min. income ≈ HK$300,558/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,319
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$161,538
−HK$4,280/mo
Today · 4.125%
HK$165,818
baseline
▲ 0.50% · 4.625%
HK$174,558
+HK$8,740/mo
Deposit HK$31.01M · loan HK$31.01M · min. income ≈ HK$331,636/mo (50% DSR)
Upfront cash ≈ HK$33.64M (deposit + AVD stamp duty HK$2,635,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,693
−HK$10,642/mo
▼ 0.25% · 3.875%
HK$174,972
−HK$5,363/mo
Today · 4.125%
HK$180,335
baseline
▲ 0.50% · 4.625%
HK$191,308
+HK$10,973/mo
Deposit HK$24.81M · loan HK$37.21M · min. income ≈ HK$360,670/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,782
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$193,845
−HK$5,137/mo
Today · 4.125%
HK$198,982
baseline
▲ 0.50% · 4.625%
HK$209,470
+HK$10,488/mo
Deposit HK$24.81M · loan HK$37.21M · min. income ≈ HK$397,964/mo (50% DSR)
Upfront cash ≈ HK$27.44M (deposit + AVD stamp duty HK$2,635,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,976
−HK$12,414/mo
▼ 0.25% · 3.875%
HK$204,134
−HK$6,256/mo
Today · 4.125%
HK$210,390
baseline
▲ 0.50% · 4.625%
HK$223,192
+HK$12,802/mo
Deposit HK$18.60M · loan HK$43.41M · min. income ≈ HK$420,780/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,246
−HK$11,899/mo
▼ 0.25% · 3.875%
HK$226,153
−HK$5,992/mo
Today · 4.125%
HK$232,145
baseline
▲ 0.50% · 4.625%
HK$244,382
+HK$12,237/mo
Deposit HK$18.60M · loan HK$43.41M · min. income ≈ HK$464,290/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$2,635,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,540
−HK$15,962/mo
▼ 0.25% · 3.875%
HK$262,458
−HK$8,044/mo
Today · 4.125%
HK$270,502
baseline
▲ 0.50% · 4.625%
HK$286,961
+HK$16,459/mo
Deposit HK$6.20M · loan HK$55.81M · min. income ≈ HK$541,004/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,173
−HK$15,299/mo
▼ 0.25% · 3.875%
HK$290,768
−HK$7,704/mo
Today · 4.125%
HK$298,472
baseline
▲ 0.50% · 4.625%
HK$314,205
+HK$15,733/mo
Deposit HK$6.20M · loan HK$55.81M · min. income ≈ HK$596,944/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$2,635,658 · Scale 2, in force from 26 Feb 2026)