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$143,425
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$147,886
−HK$4,533/mo
Today · 4.125%
HK$152,419
baseline
▲ 0.50% · 4.625%
HK$161,693
+HK$9,274/mo
Deposit HK$31.45M · loan HK$31.45M · min. income ≈ HK$304,838/mo (50% DSR)
Upfront cash ≈ HK$34.12M (deposit + AVD stamp duty HK$2,673,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,559
−HK$8,620/mo
▼ 0.25% · 3.875%
HK$163,838
−HK$4,341/mo
Today · 4.125%
HK$168,179
baseline
▲ 0.50% · 4.625%
HK$177,044
+HK$8,865/mo
Deposit HK$31.45M · loan HK$31.45M · min. income ≈ HK$336,358/mo (50% DSR)
Upfront cash ≈ HK$34.12M (deposit + AVD stamp duty HK$2,673,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,110
−HK$10,793/mo
▼ 0.25% · 3.875%
HK$177,463
−HK$5,440/mo
Today · 4.125%
HK$182,903
baseline
▲ 0.50% · 4.625%
HK$194,032
+HK$11,129/mo
Deposit HK$25.16M · loan HK$37.74M · min. income ≈ HK$365,806/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,673,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,470
−HK$10,345/mo
▼ 0.25% · 3.875%
HK$196,605
−HK$5,210/mo
Today · 4.125%
HK$201,815
baseline
▲ 0.50% · 4.625%
HK$212,453
+HK$10,638/mo
Deposit HK$25.16M · loan HK$37.74M · min. income ≈ HK$403,630/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,673,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,795
−HK$12,591/mo
▼ 0.25% · 3.875%
HK$207,041
−HK$6,345/mo
Today · 4.125%
HK$213,386
baseline
▲ 0.50% · 4.625%
HK$226,370
+HK$12,984/mo
Deposit HK$18.87M · loan HK$44.03M · min. income ≈ HK$426,772/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$2,673,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,382
−HK$12,069/mo
▼ 0.25% · 3.875%
HK$229,373
−HK$6,078/mo
Today · 4.125%
HK$235,451
baseline
▲ 0.50% · 4.625%
HK$247,862
+HK$12,411/mo
Deposit HK$18.87M · loan HK$44.03M · min. income ≈ HK$470,902/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$2,673,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,165
−HK$16,189/mo
▼ 0.25% · 3.875%
HK$266,195
−HK$8,159/mo
Today · 4.125%
HK$274,354
baseline
▲ 0.50% · 4.625%
HK$291,048
+HK$16,694/mo
Deposit HK$6.29M · loan HK$56.61M · min. income ≈ HK$548,708/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$2,673,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,206
−HK$15,516/mo
▼ 0.25% · 3.875%
HK$294,908
−HK$7,814/mo
Today · 4.125%
HK$302,722
baseline
▲ 0.50% · 4.625%
HK$318,679
+HK$15,957/mo
Deposit HK$6.29M · loan HK$56.61M · min. income ≈ HK$605,444/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$2,673,188 · Scale 2, in force from 26 Feb 2026)