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$147,761
−HK$9,266/mo
▼ 0.25% · 3.875%
HK$152,357
−HK$4,670/mo
Today · 4.125%
HK$157,027
baseline
▲ 0.50% · 4.625%
HK$166,582
+HK$9,555/mo
Deposit HK$32.40M · loan HK$32.40M · min. income ≈ HK$314,054/mo (50% DSR)
Upfront cash ≈ HK$35.15M (deposit + AVD stamp duty HK$2,754,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,383
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$168,792
−HK$4,472/mo
Today · 4.125%
HK$173,264
baseline
▲ 0.50% · 4.625%
HK$182,397
+HK$9,133/mo
Deposit HK$32.40M · loan HK$32.40M · min. income ≈ HK$346,528/mo (50% DSR)
Upfront cash ≈ HK$35.15M (deposit + AVD stamp duty HK$2,754,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,313
−HK$11,120/mo
▼ 0.25% · 3.875%
HK$182,829
−HK$5,604/mo
Today · 4.125%
HK$188,433
baseline
▲ 0.50% · 4.625%
HK$199,898
+HK$11,465/mo
Deposit HK$25.92M · loan HK$38.88M · min. income ≈ HK$376,866/mo (50% DSR)
Upfront cash ≈ HK$28.67M (deposit + AVD stamp duty HK$2,754,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,259
−HK$10,658/mo
▼ 0.25% · 3.875%
HK$202,550
−HK$5,367/mo
Today · 4.125%
HK$207,917
baseline
▲ 0.50% · 4.625%
HK$218,876
+HK$10,959/mo
Deposit HK$25.92M · loan HK$38.88M · min. income ≈ HK$415,834/mo (50% DSR)
Upfront cash ≈ HK$28.67M (deposit + AVD stamp duty HK$2,754,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,866
−HK$12,972/mo
▼ 0.25% · 3.875%
HK$213,300
−HK$6,538/mo
Today · 4.125%
HK$219,838
baseline
▲ 0.50% · 4.625%
HK$233,215
+HK$13,377/mo
Deposit HK$19.44M · loan HK$45.36M · min. income ≈ HK$439,676/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$2,754,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,136
−HK$12,434/mo
▼ 0.25% · 3.875%
HK$236,308
−HK$6,262/mo
Today · 4.125%
HK$242,570
baseline
▲ 0.50% · 4.625%
HK$255,356
+HK$12,786/mo
Deposit HK$19.44M · loan HK$45.36M · min. income ≈ HK$485,140/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$2,754,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,970
−HK$16,679/mo
▼ 0.25% · 3.875%
HK$274,243
−HK$8,406/mo
Today · 4.125%
HK$282,649
baseline
▲ 0.50% · 4.625%
HK$299,847
+HK$17,198/mo
Deposit HK$6.48M · loan HK$58.32M · min. income ≈ HK$565,298/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$2,754,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,889
−HK$15,986/mo
▼ 0.25% · 3.875%
HK$303,825
−HK$8,050/mo
Today · 4.125%
HK$311,875
baseline
▲ 0.50% · 4.625%
HK$328,315
+HK$16,440/mo
Deposit HK$6.48M · loan HK$58.32M · min. income ≈ HK$623,750/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$2,754,012 · Scale 2, in force from 26 Feb 2026)