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$144,166
−HK$9,041/mo
▼ 0.25% · 3.875%
HK$148,651
−HK$4,556/mo
Today · 4.125%
HK$153,207
baseline
▲ 0.50% · 4.625%
HK$162,529
+HK$9,322/mo
Deposit HK$31.61M · loan HK$31.61M · min. income ≈ HK$306,414/mo (50% DSR)
Upfront cash ≈ HK$34.30M (deposit + AVD stamp duty HK$2,687,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,384
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$164,685
−HK$4,364/mo
Today · 4.125%
HK$169,049
baseline
▲ 0.50% · 4.625%
HK$177,960
+HK$8,911/mo
Deposit HK$31.61M · loan HK$31.61M · min. income ≈ HK$338,098/mo (50% DSR)
Upfront cash ≈ HK$34.30M (deposit + AVD stamp duty HK$2,687,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,000
−HK$10,848/mo
▼ 0.25% · 3.875%
HK$178,381
−HK$5,467/mo
Today · 4.125%
HK$183,848
baseline
▲ 0.50% · 4.625%
HK$195,035
+HK$11,187/mo
Deposit HK$25.29M · loan HK$37.93M · min. income ≈ HK$367,696/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$2,687,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,460
−HK$10,398/mo
▼ 0.25% · 3.875%
HK$197,622
−HK$5,236/mo
Today · 4.125%
HK$202,858
baseline
▲ 0.50% · 4.625%
HK$213,551
+HK$10,693/mo
Deposit HK$25.29M · loan HK$37.93M · min. income ≈ HK$405,716/mo (50% DSR)
Upfront cash ≈ HK$27.98M (deposit + AVD stamp duty HK$2,687,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,833
−HK$12,657/mo
▼ 0.25% · 3.875%
HK$208,111
−HK$6,379/mo
Today · 4.125%
HK$214,490
baseline
▲ 0.50% · 4.625%
HK$227,541
+HK$13,051/mo
Deposit HK$18.97M · loan HK$44.26M · min. income ≈ HK$428,980/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,687,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,537
−HK$12,131/mo
▼ 0.25% · 3.875%
HK$230,559
−HK$6,109/mo
Today · 4.125%
HK$236,668
baseline
▲ 0.50% · 4.625%
HK$249,143
+HK$12,475/mo
Deposit HK$18.97M · loan HK$44.26M · min. income ≈ HK$473,336/mo (50% DSR)
Upfront cash ≈ HK$21.65M (deposit + AVD stamp duty HK$2,687,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,500
−HK$16,272/mo
▼ 0.25% · 3.875%
HK$267,571
−HK$8,201/mo
Today · 4.125%
HK$275,772
baseline
▲ 0.50% · 4.625%
HK$292,553
+HK$16,781/mo
Deposit HK$6.32M · loan HK$56.90M · min. income ≈ HK$551,544/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$2,687,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,691
−HK$15,597/mo
▼ 0.25% · 3.875%
HK$296,433
−HK$7,855/mo
Today · 4.125%
HK$304,288
baseline
▲ 0.50% · 4.625%
HK$320,327
+HK$16,039/mo
Deposit HK$6.32M · loan HK$56.90M · min. income ≈ HK$608,576/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$2,687,011 · Scale 2, in force from 26 Feb 2026)