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$148,770
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$153,397
−HK$4,702/mo
Today · 4.125%
HK$158,099
baseline
▲ 0.50% · 4.625%
HK$167,719
+HK$9,620/mo
Deposit HK$32.62M · loan HK$32.62M · min. income ≈ HK$316,198/mo (50% DSR)
Upfront cash ≈ HK$35.39M (deposit + AVD stamp duty HK$2,772,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,505
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$169,944
−HK$4,503/mo
Today · 4.125%
HK$174,447
baseline
▲ 0.50% · 4.625%
HK$183,642
+HK$9,195/mo
Deposit HK$32.62M · loan HK$32.62M · min. income ≈ HK$348,894/mo (50% DSR)
Upfront cash ≈ HK$35.39M (deposit + AVD stamp duty HK$2,772,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,524
−HK$11,195/mo
▼ 0.25% · 3.875%
HK$184,077
−HK$5,642/mo
Today · 4.125%
HK$189,719
baseline
▲ 0.50% · 4.625%
HK$201,263
+HK$11,544/mo
Deposit HK$26.10M · loan HK$39.15M · min. income ≈ HK$379,438/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,772,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,606
−HK$10,730/mo
▼ 0.25% · 3.875%
HK$203,933
−HK$5,403/mo
Today · 4.125%
HK$209,336
baseline
▲ 0.50% · 4.625%
HK$220,370
+HK$11,034/mo
Deposit HK$26.10M · loan HK$39.15M · min. income ≈ HK$418,672/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,772,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,278
−HK$13,061/mo
▼ 0.25% · 3.875%
HK$214,756
−HK$6,583/mo
Today · 4.125%
HK$221,339
baseline
▲ 0.50% · 4.625%
HK$234,807
+HK$13,468/mo
Deposit HK$19.57M · loan HK$45.67M · min. income ≈ HK$442,678/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,772,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,707
−HK$12,518/mo
▼ 0.25% · 3.875%
HK$237,921
−HK$6,304/mo
Today · 4.125%
HK$244,225
baseline
▲ 0.50% · 4.625%
HK$257,099
+HK$12,874/mo
Deposit HK$19.57M · loan HK$45.67M · min. income ≈ HK$488,450/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$2,772,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,786
−HK$16,792/mo
▼ 0.25% · 3.875%
HK$276,115
−HK$8,463/mo
Today · 4.125%
HK$284,578
baseline
▲ 0.50% · 4.625%
HK$301,894
+HK$17,316/mo
Deposit HK$6.52M · loan HK$58.72M · min. income ≈ HK$569,156/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$2,772,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,909
−HK$16,095/mo
▼ 0.25% · 3.875%
HK$305,899
−HK$8,105/mo
Today · 4.125%
HK$314,004
baseline
▲ 0.50% · 4.625%
HK$330,556
+HK$16,552/mo
Deposit HK$6.52M · loan HK$58.72M · min. income ≈ HK$628,008/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$2,772,812 · Scale 2, in force from 26 Feb 2026)