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$145,653
−HK$9,134/mo
▼ 0.25% · 3.875%
HK$150,184
−HK$4,603/mo
Today · 4.125%
HK$154,787
baseline
▲ 0.50% · 4.625%
HK$164,205
+HK$9,418/mo
Deposit HK$31.94M · loan HK$31.94M · min. income ≈ HK$309,574/mo (50% DSR)
Upfront cash ≈ HK$34.65M (deposit + AVD stamp duty HK$2,714,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,038
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$166,383
−HK$4,409/mo
Today · 4.125%
HK$170,792
baseline
▲ 0.50% · 4.625%
HK$179,795
+HK$9,003/mo
Deposit HK$31.94M · loan HK$31.94M · min. income ≈ HK$341,584/mo (50% DSR)
Upfront cash ≈ HK$34.65M (deposit + AVD stamp duty HK$2,714,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,784
−HK$10,960/mo
▼ 0.25% · 3.875%
HK$180,220
−HK$5,524/mo
Today · 4.125%
HK$185,744
baseline
▲ 0.50% · 4.625%
HK$197,046
+HK$11,302/mo
Deposit HK$25.55M · loan HK$38.33M · min. income ≈ HK$371,488/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,714,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,445
−HK$10,505/mo
▼ 0.25% · 3.875%
HK$199,660
−HK$5,290/mo
Today · 4.125%
HK$204,950
baseline
▲ 0.50% · 4.625%
HK$215,753
+HK$10,803/mo
Deposit HK$25.55M · loan HK$38.33M · min. income ≈ HK$409,900/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,714,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,914
−HK$12,787/mo
▼ 0.25% · 3.875%
HK$210,257
−HK$6,444/mo
Today · 4.125%
HK$216,701
baseline
▲ 0.50% · 4.625%
HK$229,887
+HK$13,186/mo
Deposit HK$19.16M · loan HK$44.71M · min. income ≈ HK$433,402/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,714,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,853
−HK$12,256/mo
▼ 0.25% · 3.875%
HK$232,937
−HK$6,172/mo
Today · 4.125%
HK$239,109
baseline
▲ 0.50% · 4.625%
HK$251,712
+HK$12,603/mo
Deposit HK$19.16M · loan HK$44.71M · min. income ≈ HK$478,218/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,714,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,175
−HK$16,441/mo
▼ 0.25% · 3.875%
HK$270,331
−HK$8,285/mo
Today · 4.125%
HK$278,616
baseline
▲ 0.50% · 4.625%
HK$295,569
+HK$16,953/mo
Deposit HK$6.39M · loan HK$57.49M · min. income ≈ HK$557,232/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$2,714,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$291,668
−HK$15,757/mo
▼ 0.25% · 3.875%
HK$299,490
−HK$7,935/mo
Today · 4.125%
HK$307,425
baseline
▲ 0.50% · 4.625%
HK$323,630
+HK$16,205/mo
Deposit HK$6.39M · loan HK$57.49M · min. income ≈ HK$614,850/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$2,714,718 · Scale 2, in force from 26 Feb 2026)