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$142,148
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,569
−HK$4,493/mo
Today · 4.125%
HK$151,062
baseline
▲ 0.50% · 4.625%
HK$160,253
+HK$9,191/mo
Deposit HK$31.17M · loan HK$31.17M · min. income ≈ HK$302,124/mo (50% DSR)
Upfront cash ≈ HK$33.82M (deposit + AVD stamp duty HK$2,649,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,138
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$162,379
−HK$4,303/mo
Today · 4.125%
HK$166,682
baseline
▲ 0.50% · 4.625%
HK$175,468
+HK$8,786/mo
Deposit HK$31.17M · loan HK$31.17M · min. income ≈ HK$333,364/mo (50% DSR)
Upfront cash ≈ HK$33.82M (deposit + AVD stamp duty HK$2,649,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,577
−HK$10,697/mo
▼ 0.25% · 3.875%
HK$175,883
−HK$5,391/mo
Today · 4.125%
HK$181,274
baseline
▲ 0.50% · 4.625%
HK$192,304
+HK$11,030/mo
Deposit HK$24.94M · loan HK$37.40M · min. income ≈ HK$362,548/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,649,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,766
−HK$10,252/mo
▼ 0.25% · 3.875%
HK$194,855
−HK$5,163/mo
Today · 4.125%
HK$200,018
baseline
▲ 0.50% · 4.625%
HK$210,561
+HK$10,543/mo
Deposit HK$24.94M · loan HK$37.40M · min. income ≈ HK$400,036/mo (50% DSR)
Upfront cash ≈ HK$27.58M (deposit + AVD stamp duty HK$2,649,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,007
−HK$12,479/mo
▼ 0.25% · 3.875%
HK$205,197
−HK$6,289/mo
Today · 4.125%
HK$211,486
baseline
▲ 0.50% · 4.625%
HK$224,355
+HK$12,869/mo
Deposit HK$18.70M · loan HK$43.64M · min. income ≈ HK$422,972/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,649,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,393
−HK$11,961/mo
▼ 0.25% · 3.875%
HK$227,331
−HK$6,023/mo
Today · 4.125%
HK$233,354
baseline
▲ 0.50% · 4.625%
HK$245,655
+HK$12,301/mo
Deposit HK$18.70M · loan HK$43.64M · min. income ≈ HK$466,708/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,649,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,866
−HK$16,045/mo
▼ 0.25% · 3.875%
HK$263,825
−HK$8,086/mo
Today · 4.125%
HK$271,911
baseline
▲ 0.50% · 4.625%
HK$288,456
+HK$16,545/mo
Deposit HK$6.23M · loan HK$56.10M · min. income ≈ HK$543,822/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,649,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,648
−HK$15,379/mo
▼ 0.25% · 3.875%
HK$292,282
−HK$7,745/mo
Today · 4.125%
HK$300,027
baseline
▲ 0.50% · 4.625%
HK$315,842
+HK$15,815/mo
Deposit HK$6.23M · loan HK$56.10M · min. income ≈ HK$600,054/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$2,649,386 · Scale 2, in force from 26 Feb 2026)