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$143,443
−HK$8,996/mo
▼ 0.25% · 3.875%
HK$147,905
−HK$4,534/mo
Today · 4.125%
HK$152,439
baseline
▲ 0.50% · 4.625%
HK$161,714
+HK$9,275/mo
Deposit HK$31.45M · loan HK$31.45M · min. income ≈ HK$304,878/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$2,673,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,579
−HK$8,622/mo
▼ 0.25% · 3.875%
HK$163,859
−HK$4,342/mo
Today · 4.125%
HK$168,201
baseline
▲ 0.50% · 4.625%
HK$177,067
+HK$8,866/mo
Deposit HK$31.45M · loan HK$31.45M · min. income ≈ HK$336,402/mo (50% DSR)
Upfront cash ≈ HK$34.13M (deposit + AVD stamp duty HK$2,673,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,132
−HK$10,794/mo
▼ 0.25% · 3.875%
HK$177,486
−HK$5,440/mo
Today · 4.125%
HK$182,926
baseline
▲ 0.50% · 4.625%
HK$194,057
+HK$11,131/mo
Deposit HK$25.16M · loan HK$37.74M · min. income ≈ HK$365,852/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,673,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,495
−HK$10,346/mo
▼ 0.25% · 3.875%
HK$196,631
−HK$5,210/mo
Today · 4.125%
HK$201,841
baseline
▲ 0.50% · 4.625%
HK$212,480
+HK$10,639/mo
Deposit HK$25.16M · loan HK$37.74M · min. income ≈ HK$403,682/mo (50% DSR)
Upfront cash ≈ HK$27.84M (deposit + AVD stamp duty HK$2,673,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,821
−HK$12,593/mo
▼ 0.25% · 3.875%
HK$207,067
−HK$6,347/mo
Today · 4.125%
HK$213,414
baseline
▲ 0.50% · 4.625%
HK$226,400
+HK$12,986/mo
Deposit HK$18.87M · loan HK$44.03M · min. income ≈ HK$426,828/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,673,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,411
−HK$12,070/mo
▼ 0.25% · 3.875%
HK$229,403
−HK$6,078/mo
Today · 4.125%
HK$235,481
baseline
▲ 0.50% · 4.625%
HK$247,894
+HK$12,413/mo
Deposit HK$18.87M · loan HK$44.03M · min. income ≈ HK$470,962/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,673,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,198
−HK$16,191/mo
▼ 0.25% · 3.875%
HK$266,230
−HK$8,159/mo
Today · 4.125%
HK$274,389
baseline
▲ 0.50% · 4.625%
HK$291,085
+HK$16,696/mo
Deposit HK$6.29M · loan HK$56.62M · min. income ≈ HK$548,778/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$2,673,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,243
−HK$15,519/mo
▼ 0.25% · 3.875%
HK$294,947
−HK$7,815/mo
Today · 4.125%
HK$302,762
baseline
▲ 0.50% · 4.625%
HK$318,721
+HK$15,959/mo
Deposit HK$6.29M · loan HK$56.62M · min. income ≈ HK$605,524/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$2,673,536 · Scale 2, in force from 26 Feb 2026)