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$148,741
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$153,368
−HK$4,701/mo
Today · 4.125%
HK$158,069
baseline
▲ 0.50% · 4.625%
HK$167,687
+HK$9,618/mo
Deposit HK$32.62M · loan HK$32.62M · min. income ≈ HK$316,138/mo (50% DSR)
Upfront cash ≈ HK$35.39M (deposit + AVD stamp duty HK$2,772,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,473
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$169,911
−HK$4,502/mo
Today · 4.125%
HK$174,413
baseline
▲ 0.50% · 4.625%
HK$183,607
+HK$9,194/mo
Deposit HK$32.62M · loan HK$32.62M · min. income ≈ HK$348,826/mo (50% DSR)
Upfront cash ≈ HK$35.39M (deposit + AVD stamp duty HK$2,772,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,490
−HK$11,193/mo
▼ 0.25% · 3.875%
HK$184,042
−HK$5,641/mo
Today · 4.125%
HK$189,683
baseline
▲ 0.50% · 4.625%
HK$201,224
+HK$11,541/mo
Deposit HK$26.09M · loan HK$39.14M · min. income ≈ HK$379,366/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,772,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,568
−HK$10,728/mo
▼ 0.25% · 3.875%
HK$203,894
−HK$5,402/mo
Today · 4.125%
HK$209,296
baseline
▲ 0.50% · 4.625%
HK$220,328
+HK$11,032/mo
Deposit HK$26.09M · loan HK$39.14M · min. income ≈ HK$418,592/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,772,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,238
−HK$13,058/mo
▼ 0.25% · 3.875%
HK$214,715
−HK$6,581/mo
Today · 4.125%
HK$221,296
baseline
▲ 0.50% · 4.625%
HK$234,762
+HK$13,466/mo
Deposit HK$19.57M · loan HK$45.66M · min. income ≈ HK$442,592/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,772,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,663
−HK$12,516/mo
▼ 0.25% · 3.875%
HK$237,876
−HK$6,303/mo
Today · 4.125%
HK$244,179
baseline
▲ 0.50% · 4.625%
HK$257,050
+HK$12,871/mo
Deposit HK$19.57M · loan HK$45.66M · min. income ≈ HK$488,358/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$2,772,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,735
−HK$16,789/mo
▼ 0.25% · 3.875%
HK$276,063
−HK$8,461/mo
Today · 4.125%
HK$284,524
baseline
▲ 0.50% · 4.625%
HK$301,837
+HK$17,313/mo
Deposit HK$6.52M · loan HK$58.71M · min. income ≈ HK$569,048/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$2,772,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,852
−HK$16,092/mo
▼ 0.25% · 3.875%
HK$305,840
−HK$8,104/mo
Today · 4.125%
HK$313,944
baseline
▲ 0.50% · 4.625%
HK$330,493
+HK$16,549/mo
Deposit HK$6.52M · loan HK$58.71M · min. income ≈ HK$627,888/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$2,772,282 · Scale 2, in force from 26 Feb 2026)