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$143,701
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$148,171
−HK$4,541/mo
Today · 4.125%
HK$152,712
baseline
▲ 0.50% · 4.625%
HK$162,004
+HK$9,292/mo
Deposit HK$31.51M · loan HK$31.51M · min. income ≈ HK$305,424/mo (50% DSR)
Upfront cash ≈ HK$34.19M (deposit + AVD stamp duty HK$2,678,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,865
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$164,153
−HK$4,350/mo
Today · 4.125%
HK$168,503
baseline
▲ 0.50% · 4.625%
HK$177,385
+HK$8,882/mo
Deposit HK$31.51M · loan HK$31.51M · min. income ≈ HK$337,006/mo (50% DSR)
Upfront cash ≈ HK$34.19M (deposit + AVD stamp duty HK$2,678,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,441
−HK$10,813/mo
▼ 0.25% · 3.875%
HK$177,805
−HK$5,449/mo
Today · 4.125%
HK$183,254
baseline
▲ 0.50% · 4.625%
HK$194,405
+HK$11,151/mo
Deposit HK$25.21M · loan HK$37.81M · min. income ≈ HK$366,508/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,678,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,839
−HK$10,364/mo
▼ 0.25% · 3.875%
HK$196,984
−HK$5,219/mo
Today · 4.125%
HK$202,203
baseline
▲ 0.50% · 4.625%
HK$212,861
+HK$10,658/mo
Deposit HK$25.21M · loan HK$37.81M · min. income ≈ HK$404,406/mo (50% DSR)
Upfront cash ≈ HK$27.89M (deposit + AVD stamp duty HK$2,678,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,181
−HK$12,616/mo
▼ 0.25% · 3.875%
HK$207,439
−HK$6,358/mo
Today · 4.125%
HK$213,797
baseline
▲ 0.50% · 4.625%
HK$226,806
+HK$13,009/mo
Deposit HK$18.91M · loan HK$44.11M · min. income ≈ HK$427,594/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$2,678,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,812
−HK$12,092/mo
▼ 0.25% · 3.875%
HK$229,814
−HK$6,090/mo
Today · 4.125%
HK$235,904
baseline
▲ 0.50% · 4.625%
HK$248,338
+HK$12,434/mo
Deposit HK$18.91M · loan HK$44.11M · min. income ≈ HK$471,808/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$2,678,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,661
−HK$16,220/mo
▼ 0.25% · 3.875%
HK$266,707
−HK$8,174/mo
Today · 4.125%
HK$274,881
baseline
▲ 0.50% · 4.625%
HK$291,607
+HK$16,726/mo
Deposit HK$6.30M · loan HK$56.72M · min. income ≈ HK$549,762/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,678,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,758
−HK$15,547/mo
▼ 0.25% · 3.875%
HK$295,475
−HK$7,830/mo
Today · 4.125%
HK$303,305
baseline
▲ 0.50% · 4.625%
HK$319,292
+HK$15,987/mo
Deposit HK$6.30M · loan HK$56.72M · min. income ≈ HK$606,610/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$2,678,329 · Scale 2, in force from 26 Feb 2026)