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$148,834
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$153,464
−HK$4,703/mo
Today · 4.125%
HK$158,167
baseline
▲ 0.50% · 4.625%
HK$167,791
+HK$9,624/mo
Deposit HK$32.64M · loan HK$32.64M · min. income ≈ HK$316,334/mo (50% DSR)
Upfront cash ≈ HK$35.41M (deposit + AVD stamp duty HK$2,774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,576
−HK$8,946/mo
▼ 0.25% · 3.875%
HK$170,017
−HK$4,505/mo
Today · 4.125%
HK$174,522
baseline
▲ 0.50% · 4.625%
HK$183,721
+HK$9,199/mo
Deposit HK$32.64M · loan HK$32.64M · min. income ≈ HK$349,044/mo (50% DSR)
Upfront cash ≈ HK$35.41M (deposit + AVD stamp duty HK$2,774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,601
−HK$11,200/mo
▼ 0.25% · 3.875%
HK$184,156
−HK$5,645/mo
Today · 4.125%
HK$189,801
baseline
▲ 0.50% · 4.625%
HK$201,349
+HK$11,548/mo
Deposit HK$26.11M · loan HK$39.16M · min. income ≈ HK$379,602/mo (50% DSR)
Upfront cash ≈ HK$28.88M (deposit + AVD stamp duty HK$2,774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,692
−HK$10,734/mo
▼ 0.25% · 3.875%
HK$204,020
−HK$5,406/mo
Today · 4.125%
HK$209,426
baseline
▲ 0.50% · 4.625%
HK$220,465
+HK$11,039/mo
Deposit HK$26.11M · loan HK$39.16M · min. income ≈ HK$418,852/mo (50% DSR)
Upfront cash ≈ HK$28.88M (deposit + AVD stamp duty HK$2,774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,368
−HK$13,066/mo
▼ 0.25% · 3.875%
HK$214,849
−HK$6,585/mo
Today · 4.125%
HK$221,434
baseline
▲ 0.50% · 4.625%
HK$234,908
+HK$13,474/mo
Deposit HK$19.58M · loan HK$45.69M · min. income ≈ HK$442,868/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$2,774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,807
−HK$12,524/mo
▼ 0.25% · 3.875%
HK$238,024
−HK$6,307/mo
Today · 4.125%
HK$244,331
baseline
▲ 0.50% · 4.625%
HK$257,210
+HK$12,879/mo
Deposit HK$19.58M · loan HK$45.69M · min. income ≈ HK$488,662/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$2,774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,901
−HK$16,800/mo
▼ 0.25% · 3.875%
HK$276,234
−HK$8,467/mo
Today · 4.125%
HK$284,701
baseline
▲ 0.50% · 4.625%
HK$302,024
+HK$17,323/mo
Deposit HK$6.53M · loan HK$58.74M · min. income ≈ HK$569,402/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$2,774,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,037
−HK$16,102/mo
▼ 0.25% · 3.875%
HK$306,030
−HK$8,109/mo
Today · 4.125%
HK$314,139
baseline
▲ 0.50% · 4.625%
HK$330,698
+HK$16,559/mo
Deposit HK$6.53M · loan HK$58.74M · min. income ≈ HK$628,278/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$2,774,005 · Scale 2, in force from 26 Feb 2026)