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$144,220
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$148,706
−HK$4,558/mo
Today · 4.125%
HK$153,264
baseline
▲ 0.50% · 4.625%
HK$162,589
+HK$9,325/mo
Deposit HK$31.62M · loan HK$31.62M · min. income ≈ HK$306,528/mo (50% DSR)
Upfront cash ≈ HK$34.31M (deposit + AVD stamp duty HK$2,688,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,443
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$164,746
−HK$4,365/mo
Today · 4.125%
HK$169,111
baseline
▲ 0.50% · 4.625%
HK$178,025
+HK$8,914/mo
Deposit HK$31.62M · loan HK$31.62M · min. income ≈ HK$338,222/mo (50% DSR)
Upfront cash ≈ HK$34.31M (deposit + AVD stamp duty HK$2,688,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,064
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$178,447
−HK$5,469/mo
Today · 4.125%
HK$183,916
baseline
▲ 0.50% · 4.625%
HK$195,107
+HK$11,191/mo
Deposit HK$25.30M · loan HK$37.95M · min. income ≈ HK$367,832/mo (50% DSR)
Upfront cash ≈ HK$27.99M (deposit + AVD stamp duty HK$2,688,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,532
−HK$10,402/mo
▼ 0.25% · 3.875%
HK$197,695
−HK$5,239/mo
Today · 4.125%
HK$202,934
baseline
▲ 0.50% · 4.625%
HK$213,631
+HK$10,697/mo
Deposit HK$25.30M · loan HK$37.95M · min. income ≈ HK$405,868/mo (50% DSR)
Upfront cash ≈ HK$27.99M (deposit + AVD stamp duty HK$2,688,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,908
−HK$12,661/mo
▼ 0.25% · 3.875%
HK$208,188
−HK$6,381/mo
Today · 4.125%
HK$214,569
baseline
▲ 0.50% · 4.625%
HK$227,625
+HK$13,056/mo
Deposit HK$18.97M · loan HK$44.27M · min. income ≈ HK$429,138/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,688,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,620
−HK$12,136/mo
▼ 0.25% · 3.875%
HK$230,645
−HK$6,111/mo
Today · 4.125%
HK$236,756
baseline
▲ 0.50% · 4.625%
HK$249,236
+HK$12,480/mo
Deposit HK$18.97M · loan HK$44.27M · min. income ≈ HK$473,512/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$2,688,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,596
−HK$16,279/mo
▼ 0.25% · 3.875%
HK$267,671
−HK$8,204/mo
Today · 4.125%
HK$275,875
baseline
▲ 0.50% · 4.625%
HK$292,661
+HK$16,786/mo
Deposit HK$6.32M · loan HK$56.92M · min. income ≈ HK$551,750/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$2,688,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,798
−HK$15,602/mo
▼ 0.25% · 3.875%
HK$296,543
−HK$7,857/mo
Today · 4.125%
HK$304,400
baseline
▲ 0.50% · 4.625%
HK$320,446
+HK$16,046/mo
Deposit HK$6.32M · loan HK$56.92M · min. income ≈ HK$608,800/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$2,688,007 · Scale 2, in force from 26 Feb 2026)