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$148,580
−HK$9,317/mo
▼ 0.25% · 3.875%
HK$153,201
−HK$4,696/mo
Today · 4.125%
HK$157,897
baseline
▲ 0.50% · 4.625%
HK$167,504
+HK$9,607/mo
Deposit HK$32.58M · loan HK$32.58M · min. income ≈ HK$315,794/mo (50% DSR)
Upfront cash ≈ HK$35.35M (deposit + AVD stamp duty HK$2,769,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,293
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$169,726
−HK$4,497/mo
Today · 4.125%
HK$174,223
baseline
▲ 0.50% · 4.625%
HK$183,407
+HK$9,184/mo
Deposit HK$32.58M · loan HK$32.58M · min. income ≈ HK$348,446/mo (50% DSR)
Upfront cash ≈ HK$35.35M (deposit + AVD stamp duty HK$2,769,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,295
−HK$11,181/mo
▼ 0.25% · 3.875%
HK$183,841
−HK$5,635/mo
Today · 4.125%
HK$189,476
baseline
▲ 0.50% · 4.625%
HK$201,005
+HK$11,529/mo
Deposit HK$26.06M · loan HK$39.10M · min. income ≈ HK$378,952/mo (50% DSR)
Upfront cash ≈ HK$28.83M (deposit + AVD stamp duty HK$2,769,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,352
−HK$10,716/mo
▼ 0.25% · 3.875%
HK$203,672
−HK$5,396/mo
Today · 4.125%
HK$209,068
baseline
▲ 0.50% · 4.625%
HK$220,088
+HK$11,020/mo
Deposit HK$26.06M · loan HK$39.10M · min. income ≈ HK$418,136/mo (50% DSR)
Upfront cash ≈ HK$28.83M (deposit + AVD stamp duty HK$2,769,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,011
−HK$13,044/mo
▼ 0.25% · 3.875%
HK$214,482
−HK$6,573/mo
Today · 4.125%
HK$221,055
baseline
▲ 0.50% · 4.625%
HK$234,506
+HK$13,451/mo
Deposit HK$19.55M · loan HK$45.61M · min. income ≈ HK$442,110/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$2,769,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,410
−HK$12,503/mo
▼ 0.25% · 3.875%
HK$237,617
−HK$6,296/mo
Today · 4.125%
HK$243,913
baseline
▲ 0.50% · 4.625%
HK$256,770
+HK$12,857/mo
Deposit HK$19.55M · loan HK$45.61M · min. income ≈ HK$487,826/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$2,769,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,443
−HK$16,771/mo
▼ 0.25% · 3.875%
HK$275,762
−HK$8,452/mo
Today · 4.125%
HK$284,214
baseline
▲ 0.50% · 4.625%
HK$301,508
+HK$17,294/mo
Deposit HK$6.52M · loan HK$58.64M · min. income ≈ HK$568,428/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$2,769,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,528
−HK$16,074/mo
▼ 0.25% · 3.875%
HK$305,507
−HK$8,095/mo
Today · 4.125%
HK$313,602
baseline
▲ 0.50% · 4.625%
HK$330,133
+HK$16,531/mo
Deposit HK$6.52M · loan HK$58.64M · min. income ≈ HK$627,204/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$2,769,263 · Scale 2, in force from 26 Feb 2026)