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$141,883
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$146,296
−HK$4,484/mo
Today · 4.125%
HK$150,780
baseline
▲ 0.50% · 4.625%
HK$159,955
+HK$9,175/mo
Deposit HK$31.11M · loan HK$31.11M · min. income ≈ HK$301,560/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$2,644,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,843
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$162,076
−HK$4,295/mo
Today · 4.125%
HK$166,371
baseline
▲ 0.50% · 4.625%
HK$175,140
+HK$8,769/mo
Deposit HK$31.11M · loan HK$31.11M · min. income ≈ HK$332,742/mo (50% DSR)
Upfront cash ≈ HK$33.76M (deposit + AVD stamp duty HK$2,644,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,259
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$175,555
−HK$5,381/mo
Today · 4.125%
HK$180,936
baseline
▲ 0.50% · 4.625%
HK$191,945
+HK$11,009/mo
Deposit HK$24.89M · loan HK$37.33M · min. income ≈ HK$361,872/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,644,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,412
−HK$10,233/mo
▼ 0.25% · 3.875%
HK$194,492
−HK$5,153/mo
Today · 4.125%
HK$199,645
baseline
▲ 0.50% · 4.625%
HK$210,169
+HK$10,524/mo
Deposit HK$24.89M · loan HK$37.33M · min. income ≈ HK$399,290/mo (50% DSR)
Upfront cash ≈ HK$27.53M (deposit + AVD stamp duty HK$2,644,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,636
−HK$12,456/mo
▼ 0.25% · 3.875%
HK$204,814
−HK$6,278/mo
Today · 4.125%
HK$211,092
baseline
▲ 0.50% · 4.625%
HK$223,936
+HK$12,844/mo
Deposit HK$18.67M · loan HK$43.56M · min. income ≈ HK$422,184/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,644,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,980
−HK$11,939/mo
▼ 0.25% · 3.875%
HK$226,907
−HK$6,012/mo
Today · 4.125%
HK$232,919
baseline
▲ 0.50% · 4.625%
HK$245,197
+HK$12,278/mo
Deposit HK$18.67M · loan HK$43.56M · min. income ≈ HK$465,838/mo (50% DSR)
Upfront cash ≈ HK$21.31M (deposit + AVD stamp duty HK$2,644,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,389
−HK$16,015/mo
▼ 0.25% · 3.875%
HK$263,333
−HK$8,071/mo
Today · 4.125%
HK$271,404
baseline
▲ 0.50% · 4.625%
HK$287,918
+HK$16,514/mo
Deposit HK$6.22M · loan HK$56.00M · min. income ≈ HK$542,808/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,644,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,117
−HK$15,350/mo
▼ 0.25% · 3.875%
HK$291,737
−HK$7,730/mo
Today · 4.125%
HK$299,467
baseline
▲ 0.50% · 4.625%
HK$315,253
+HK$15,786/mo
Deposit HK$6.22M · loan HK$56.00M · min. income ≈ HK$598,934/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,644,446 · Scale 2, in force from 26 Feb 2026)