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$144,081
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$148,563
−HK$4,553/mo
Today · 4.125%
HK$153,116
baseline
▲ 0.50% · 4.625%
HK$162,433
+HK$9,317/mo
Deposit HK$31.59M · loan HK$31.59M · min. income ≈ HK$306,232/mo (50% DSR)
Upfront cash ≈ HK$34.28M (deposit + AVD stamp duty HK$2,685,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,289
−HK$8,660/mo
▼ 0.25% · 3.875%
HK$164,588
−HK$4,361/mo
Today · 4.125%
HK$168,949
baseline
▲ 0.50% · 4.625%
HK$177,854
+HK$8,905/mo
Deposit HK$31.59M · loan HK$31.59M · min. income ≈ HK$337,898/mo (50% DSR)
Upfront cash ≈ HK$34.28M (deposit + AVD stamp duty HK$2,685,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,897
−HK$10,843/mo
▼ 0.25% · 3.875%
HK$178,275
−HK$5,465/mo
Today · 4.125%
HK$183,740
baseline
▲ 0.50% · 4.625%
HK$194,920
+HK$11,180/mo
Deposit HK$25.27M · loan HK$37.91M · min. income ≈ HK$367,480/mo (50% DSR)
Upfront cash ≈ HK$27.96M (deposit + AVD stamp duty HK$2,685,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,347
−HK$10,391/mo
▼ 0.25% · 3.875%
HK$197,505
−HK$5,233/mo
Today · 4.125%
HK$202,738
baseline
▲ 0.50% · 4.625%
HK$213,425
+HK$10,687/mo
Deposit HK$25.27M · loan HK$37.91M · min. income ≈ HK$405,476/mo (50% DSR)
Upfront cash ≈ HK$27.96M (deposit + AVD stamp duty HK$2,685,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,714
−HK$12,649/mo
▼ 0.25% · 3.875%
HK$207,988
−HK$6,375/mo
Today · 4.125%
HK$214,363
baseline
▲ 0.50% · 4.625%
HK$227,406
+HK$13,043/mo
Deposit HK$18.96M · loan HK$44.23M · min. income ≈ HK$428,726/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$2,685,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,404
−HK$12,124/mo
▼ 0.25% · 3.875%
HK$230,423
−HK$6,105/mo
Today · 4.125%
HK$236,528
baseline
▲ 0.50% · 4.625%
HK$248,996
+HK$12,468/mo
Deposit HK$18.96M · loan HK$44.23M · min. income ≈ HK$473,056/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$2,685,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,346
−HK$16,263/mo
▼ 0.25% · 3.875%
HK$267,413
−HK$8,196/mo
Today · 4.125%
HK$275,609
baseline
▲ 0.50% · 4.625%
HK$292,380
+HK$16,771/mo
Deposit HK$6.32M · loan HK$56.87M · min. income ≈ HK$551,218/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$2,685,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$288,520
−HK$15,588/mo
▼ 0.25% · 3.875%
HK$296,258
−HK$7,850/mo
Today · 4.125%
HK$304,108
baseline
▲ 0.50% · 4.625%
HK$320,138
+HK$16,030/mo
Deposit HK$6.32M · loan HK$56.87M · min. income ≈ HK$608,216/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$2,685,422 · Scale 2, in force from 26 Feb 2026)