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$141,962
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$146,378
−HK$4,486/mo
Today · 4.125%
HK$150,864
baseline
▲ 0.50% · 4.625%
HK$160,044
+HK$9,180/mo
Deposit HK$31.13M · loan HK$31.13M · min. income ≈ HK$301,728/mo (50% DSR)
Upfront cash ≈ HK$33.77M (deposit + AVD stamp duty HK$2,645,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,931
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$162,167
−HK$4,297/mo
Today · 4.125%
HK$166,464
baseline
▲ 0.50% · 4.625%
HK$175,238
+HK$8,774/mo
Deposit HK$31.13M · loan HK$31.13M · min. income ≈ HK$332,928/mo (50% DSR)
Upfront cash ≈ HK$33.77M (deposit + AVD stamp duty HK$2,645,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,354
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$175,653
−HK$5,384/mo
Today · 4.125%
HK$181,037
baseline
▲ 0.50% · 4.625%
HK$192,053
+HK$11,016/mo
Deposit HK$24.90M · loan HK$37.35M · min. income ≈ HK$362,074/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,645,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,517
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$194,600
−HK$5,156/mo
Today · 4.125%
HK$199,756
baseline
▲ 0.50% · 4.625%
HK$210,286
+HK$10,530/mo
Deposit HK$24.90M · loan HK$37.35M · min. income ≈ HK$399,512/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,645,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,747
−HK$12,463/mo
▼ 0.25% · 3.875%
HK$204,929
−HK$6,281/mo
Today · 4.125%
HK$211,210
baseline
▲ 0.50% · 4.625%
HK$224,061
+HK$12,851/mo
Deposit HK$18.68M · loan HK$43.58M · min. income ≈ HK$422,420/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,645,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,104
−HK$11,945/mo
▼ 0.25% · 3.875%
HK$227,034
−HK$6,015/mo
Today · 4.125%
HK$233,049
baseline
▲ 0.50% · 4.625%
HK$245,334
+HK$12,285/mo
Deposit HK$18.68M · loan HK$43.58M · min. income ≈ HK$466,098/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$2,645,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,531
−HK$16,024/mo
▼ 0.25% · 3.875%
HK$263,480
−HK$8,075/mo
Today · 4.125%
HK$271,555
baseline
▲ 0.50% · 4.625%
HK$288,079
+HK$16,524/mo
Deposit HK$6.23M · loan HK$56.03M · min. income ≈ HK$543,110/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,645,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,276
−HK$15,359/mo
▼ 0.25% · 3.875%
HK$291,900
−HK$7,735/mo
Today · 4.125%
HK$299,635
baseline
▲ 0.50% · 4.625%
HK$315,429
+HK$15,794/mo
Deposit HK$6.23M · loan HK$56.03M · min. income ≈ HK$599,270/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$2,645,922 · Scale 2, in force from 26 Feb 2026)