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$146,792
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$151,358
−HK$4,639/mo
Today · 4.125%
HK$155,997
baseline
▲ 0.50% · 4.625%
HK$165,489
+HK$9,492/mo
Deposit HK$32.19M · loan HK$32.19M · min. income ≈ HK$311,994/mo (50% DSR)
Upfront cash ≈ HK$34.92M (deposit + AVD stamp duty HK$2,735,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,304
−HK$8,823/mo
▼ 0.25% · 3.875%
HK$167,684
−HK$4,443/mo
Today · 4.125%
HK$172,127
baseline
▲ 0.50% · 4.625%
HK$181,200
+HK$9,073/mo
Deposit HK$32.19M · loan HK$32.19M · min. income ≈ HK$344,254/mo (50% DSR)
Upfront cash ≈ HK$34.92M (deposit + AVD stamp duty HK$2,735,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,150
−HK$11,046/mo
▼ 0.25% · 3.875%
HK$181,629
−HK$5,567/mo
Today · 4.125%
HK$187,196
baseline
▲ 0.50% · 4.625%
HK$198,587
+HK$11,391/mo
Deposit HK$25.75M · loan HK$38.63M · min. income ≈ HK$374,392/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,735,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,965
−HK$10,587/mo
▼ 0.25% · 3.875%
HK$201,221
−HK$5,331/mo
Today · 4.125%
HK$206,552
baseline
▲ 0.50% · 4.625%
HK$217,440
+HK$10,888/mo
Deposit HK$25.75M · loan HK$38.63M · min. income ≈ HK$413,104/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,735,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,508
−HK$12,887/mo
▼ 0.25% · 3.875%
HK$211,901
−HK$6,494/mo
Today · 4.125%
HK$218,395
baseline
▲ 0.50% · 4.625%
HK$231,684
+HK$13,289/mo
Deposit HK$19.31M · loan HK$45.06M · min. income ≈ HK$436,790/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,735,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,626
−HK$12,352/mo
▼ 0.25% · 3.875%
HK$234,758
−HK$6,220/mo
Today · 4.125%
HK$240,978
baseline
▲ 0.50% · 4.625%
HK$253,680
+HK$12,702/mo
Deposit HK$19.31M · loan HK$45.06M · min. income ≈ HK$481,956/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,735,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,225
−HK$16,569/mo
▼ 0.25% · 3.875%
HK$272,444
−HK$8,350/mo
Today · 4.125%
HK$280,794
baseline
▲ 0.50% · 4.625%
HK$297,880
+HK$17,086/mo
Deposit HK$6.44M · loan HK$57.94M · min. income ≈ HK$561,588/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$2,735,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$293,948
−HK$15,881/mo
▼ 0.25% · 3.875%
HK$301,831
−HK$7,998/mo
Today · 4.125%
HK$309,829
baseline
▲ 0.50% · 4.625%
HK$326,160
+HK$16,331/mo
Deposit HK$6.44M · loan HK$57.94M · min. income ≈ HK$619,658/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$2,735,941 · Scale 2, in force from 26 Feb 2026)