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$147,010
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,583
−HK$4,646/mo
Today · 4.125%
HK$156,229
baseline
▲ 0.50% · 4.625%
HK$165,735
+HK$9,506/mo
Deposit HK$32.24M · loan HK$32.24M · min. income ≈ HK$312,458/mo (50% DSR)
Upfront cash ≈ HK$34.98M (deposit + AVD stamp duty HK$2,740,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,547
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$167,934
−HK$4,449/mo
Today · 4.125%
HK$172,383
baseline
▲ 0.50% · 4.625%
HK$181,470
+HK$9,087/mo
Deposit HK$32.24M · loan HK$32.24M · min. income ≈ HK$344,766/mo (50% DSR)
Upfront cash ≈ HK$34.98M (deposit + AVD stamp duty HK$2,740,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,412
−HK$11,063/mo
▼ 0.25% · 3.875%
HK$181,900
−HK$5,575/mo
Today · 4.125%
HK$187,475
baseline
▲ 0.50% · 4.625%
HK$198,882
+HK$11,407/mo
Deposit HK$25.79M · loan HK$38.68M · min. income ≈ HK$374,950/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,740,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,257
−HK$10,603/mo
▼ 0.25% · 3.875%
HK$201,520
−HK$5,340/mo
Today · 4.125%
HK$206,860
baseline
▲ 0.50% · 4.625%
HK$217,764
+HK$10,904/mo
Deposit HK$25.79M · loan HK$38.68M · min. income ≈ HK$413,720/mo (50% DSR)
Upfront cash ≈ HK$28.53M (deposit + AVD stamp duty HK$2,740,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,814
−HK$12,907/mo
▼ 0.25% · 3.875%
HK$212,216
−HK$6,505/mo
Today · 4.125%
HK$218,721
baseline
▲ 0.50% · 4.625%
HK$232,029
+HK$13,308/mo
Deposit HK$19.34M · loan HK$45.13M · min. income ≈ HK$437,442/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$2,740,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,966
−HK$12,371/mo
▼ 0.25% · 3.875%
HK$235,107
−HK$6,230/mo
Today · 4.125%
HK$241,337
baseline
▲ 0.50% · 4.625%
HK$254,058
+HK$12,721/mo
Deposit HK$19.34M · loan HK$45.13M · min. income ≈ HK$482,674/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$2,740,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,618
−HK$16,594/mo
▼ 0.25% · 3.875%
HK$272,850
−HK$8,362/mo
Today · 4.125%
HK$281,212
baseline
▲ 0.50% · 4.625%
HK$298,323
+HK$17,111/mo
Deposit HK$6.45M · loan HK$58.02M · min. income ≈ HK$562,424/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$2,740,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,385
−HK$15,905/mo
▼ 0.25% · 3.875%
HK$302,281
−HK$8,009/mo
Today · 4.125%
HK$310,290
baseline
▲ 0.50% · 4.625%
HK$326,646
+HK$16,356/mo
Deposit HK$6.45M · loan HK$58.02M · min. income ≈ HK$620,580/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$2,740,015 · Scale 2, in force from 26 Feb 2026)