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$149,868
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$154,530
−HK$4,736/mo
Today · 4.125%
HK$159,266
baseline
▲ 0.50% · 4.625%
HK$168,957
+HK$9,691/mo
Deposit HK$32.86M · loan HK$32.86M · min. income ≈ HK$318,532/mo (50% DSR)
Upfront cash ≈ HK$35.66M (deposit + AVD stamp duty HK$2,793,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,727
−HK$9,008/mo
▼ 0.25% · 3.875%
HK$171,198
−HK$4,537/mo
Today · 4.125%
HK$175,735
baseline
▲ 0.50% · 4.625%
HK$184,998
+HK$9,263/mo
Deposit HK$32.86M · loan HK$32.86M · min. income ≈ HK$351,470/mo (50% DSR)
Upfront cash ≈ HK$35.66M (deposit + AVD stamp duty HK$2,793,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,842
−HK$11,277/mo
▼ 0.25% · 3.875%
HK$185,436
−HK$5,683/mo
Today · 4.125%
HK$191,119
baseline
▲ 0.50% · 4.625%
HK$202,749
+HK$11,630/mo
Deposit HK$26.29M · loan HK$39.43M · min. income ≈ HK$382,238/mo (50% DSR)
Upfront cash ≈ HK$29.08M (deposit + AVD stamp duty HK$2,793,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,072
−HK$10,809/mo
▼ 0.25% · 3.875%
HK$205,438
−HK$5,443/mo
Today · 4.125%
HK$210,881
baseline
▲ 0.50% · 4.625%
HK$221,997
+HK$11,116/mo
Deposit HK$26.29M · loan HK$39.43M · min. income ≈ HK$421,762/mo (50% DSR)
Upfront cash ≈ HK$29.08M (deposit + AVD stamp duty HK$2,793,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,815
−HK$13,158/mo
▼ 0.25% · 3.875%
HK$216,342
−HK$6,631/mo
Today · 4.125%
HK$222,973
baseline
▲ 0.50% · 4.625%
HK$236,540
+HK$13,567/mo
Deposit HK$19.72M · loan HK$46.01M · min. income ≈ HK$445,946/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,793,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,418
−HK$12,610/mo
▼ 0.25% · 3.875%
HK$239,678
−HK$6,350/mo
Today · 4.125%
HK$246,028
baseline
▲ 0.50% · 4.625%
HK$258,997
+HK$12,969/mo
Deposit HK$19.72M · loan HK$46.01M · min. income ≈ HK$492,056/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,793,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,763
−HK$16,916/mo
▼ 0.25% · 3.875%
HK$278,154
−HK$8,525/mo
Today · 4.125%
HK$286,679
baseline
▲ 0.50% · 4.625%
HK$304,123
+HK$17,444/mo
Deposit HK$6.57M · loan HK$59.15M · min. income ≈ HK$573,358/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$2,793,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,108
−HK$16,214/mo
▼ 0.25% · 3.875%
HK$308,157
−HK$8,165/mo
Today · 4.125%
HK$316,322
baseline
▲ 0.50% · 4.625%
HK$332,996
+HK$16,674/mo
Deposit HK$6.57M · loan HK$59.15M · min. income ≈ HK$632,644/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$2,793,281 · Scale 2, in force from 26 Feb 2026)