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$145,454
−HK$9,121/mo
▼ 0.25% · 3.875%
HK$149,979
−HK$4,596/mo
Today · 4.125%
HK$154,575
baseline
▲ 0.50% · 4.625%
HK$163,981
+HK$9,406/mo
Deposit HK$31.89M · loan HK$31.89M · min. income ≈ HK$309,150/mo (50% DSR)
Upfront cash ≈ HK$34.61M (deposit + AVD stamp duty HK$2,711,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,816
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$166,156
−HK$4,403/mo
Today · 4.125%
HK$170,559
baseline
▲ 0.50% · 4.625%
HK$179,549
+HK$8,990/mo
Deposit HK$31.89M · loan HK$31.89M · min. income ≈ HK$341,118/mo (50% DSR)
Upfront cash ≈ HK$34.61M (deposit + AVD stamp duty HK$2,711,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,545
−HK$10,945/mo
▼ 0.25% · 3.875%
HK$179,974
−HK$5,516/mo
Today · 4.125%
HK$185,490
baseline
▲ 0.50% · 4.625%
HK$196,777
+HK$11,287/mo
Deposit HK$25.52M · loan HK$38.27M · min. income ≈ HK$370,980/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,711,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,179
−HK$10,491/mo
▼ 0.25% · 3.875%
HK$199,387
−HK$5,283/mo
Today · 4.125%
HK$204,670
baseline
▲ 0.50% · 4.625%
HK$215,459
+HK$10,789/mo
Deposit HK$25.52M · loan HK$38.27M · min. income ≈ HK$409,340/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,711,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,636
−HK$12,769/mo
▼ 0.25% · 3.875%
HK$209,970
−HK$6,435/mo
Today · 4.125%
HK$216,405
baseline
▲ 0.50% · 4.625%
HK$229,573
+HK$13,168/mo
Deposit HK$19.14M · loan HK$44.65M · min. income ≈ HK$432,810/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,711,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,543
−HK$12,239/mo
▼ 0.25% · 3.875%
HK$232,618
−HK$6,164/mo
Today · 4.125%
HK$238,782
baseline
▲ 0.50% · 4.625%
HK$251,369
+HK$12,587/mo
Deposit HK$19.14M · loan HK$44.65M · min. income ≈ HK$477,564/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$2,711,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,817
−HK$16,419/mo
▼ 0.25% · 3.875%
HK$269,961
−HK$8,275/mo
Today · 4.125%
HK$278,236
baseline
▲ 0.50% · 4.625%
HK$295,166
+HK$16,930/mo
Deposit HK$6.38M · loan HK$57.41M · min. income ≈ HK$556,472/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,711,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,269
−HK$15,736/mo
▼ 0.25% · 3.875%
HK$299,081
−HK$7,924/mo
Today · 4.125%
HK$307,005
baseline
▲ 0.50% · 4.625%
HK$323,188
+HK$16,183/mo
Deposit HK$6.38M · loan HK$57.41M · min. income ≈ HK$614,010/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$2,711,010 · Scale 2, in force from 26 Feb 2026)