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$142,142
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,564
−HK$4,492/mo
Today · 4.125%
HK$151,056
baseline
▲ 0.50% · 4.625%
HK$160,247
+HK$9,191/mo
Deposit HK$31.17M · loan HK$31.17M · min. income ≈ HK$302,112/mo (50% DSR)
Upfront cash ≈ HK$33.82M (deposit + AVD stamp duty HK$2,649,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,132
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$162,373
−HK$4,302/mo
Today · 4.125%
HK$166,675
baseline
▲ 0.50% · 4.625%
HK$175,461
+HK$8,786/mo
Deposit HK$31.17M · loan HK$31.17M · min. income ≈ HK$333,350/mo (50% DSR)
Upfront cash ≈ HK$33.82M (deposit + AVD stamp duty HK$2,649,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,571
−HK$10,696/mo
▼ 0.25% · 3.875%
HK$175,877
−HK$5,390/mo
Today · 4.125%
HK$181,267
baseline
▲ 0.50% · 4.625%
HK$192,297
+HK$11,030/mo
Deposit HK$24.93M · loan HK$37.40M · min. income ≈ HK$362,534/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,649,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,758
−HK$10,253/mo
▼ 0.25% · 3.875%
HK$194,848
−HK$5,163/mo
Today · 4.125%
HK$200,011
baseline
▲ 0.50% · 4.625%
HK$210,553
+HK$10,542/mo
Deposit HK$24.93M · loan HK$37.40M · min. income ≈ HK$400,022/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,649,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,999
−HK$12,479/mo
▼ 0.25% · 3.875%
HK$205,189
−HK$6,289/mo
Today · 4.125%
HK$211,478
baseline
▲ 0.50% · 4.625%
HK$224,346
+HK$12,868/mo
Deposit HK$18.70M · loan HK$43.64M · min. income ≈ HK$422,956/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,649,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,385
−HK$11,961/mo
▼ 0.25% · 3.875%
HK$227,322
−HK$6,024/mo
Today · 4.125%
HK$233,346
baseline
▲ 0.50% · 4.625%
HK$245,646
+HK$12,300/mo
Deposit HK$18.70M · loan HK$43.64M · min. income ≈ HK$466,692/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,649,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,856
−HK$16,045/mo
▼ 0.25% · 3.875%
HK$263,815
−HK$8,086/mo
Today · 4.125%
HK$271,901
baseline
▲ 0.50% · 4.625%
HK$288,445
+HK$16,544/mo
Deposit HK$6.23M · loan HK$56.10M · min. income ≈ HK$543,802/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,649,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,638
−HK$15,378/mo
▼ 0.25% · 3.875%
HK$292,272
−HK$7,744/mo
Today · 4.125%
HK$300,016
baseline
▲ 0.50% · 4.625%
HK$315,830
+HK$15,814/mo
Deposit HK$6.23M · loan HK$56.10M · min. income ≈ HK$600,032/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,649,288 · Scale 2, in force from 26 Feb 2026)