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$141,623
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$146,029
−HK$4,475/mo
Today · 4.125%
HK$150,504
baseline
▲ 0.50% · 4.625%
HK$159,662
+HK$9,158/mo
Deposit HK$31.05M · loan HK$31.05M · min. income ≈ HK$301,008/mo (50% DSR)
Upfront cash ≈ HK$33.69M (deposit + AVD stamp duty HK$2,639,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,555
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$161,780
−HK$4,287/mo
Today · 4.125%
HK$166,067
baseline
▲ 0.50% · 4.625%
HK$174,820
+HK$8,753/mo
Deposit HK$31.05M · loan HK$31.05M · min. income ≈ HK$332,134/mo (50% DSR)
Upfront cash ≈ HK$33.69M (deposit + AVD stamp duty HK$2,639,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,948
−HK$10,657/mo
▼ 0.25% · 3.875%
HK$175,235
−HK$5,370/mo
Today · 4.125%
HK$180,605
baseline
▲ 0.50% · 4.625%
HK$191,595
+HK$10,990/mo
Deposit HK$24.84M · loan HK$37.27M · min. income ≈ HK$361,210/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,639,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,066
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$194,136
−HK$5,144/mo
Today · 4.125%
HK$199,280
baseline
▲ 0.50% · 4.625%
HK$209,785
+HK$10,505/mo
Deposit HK$24.84M · loan HK$37.27M · min. income ≈ HK$398,560/mo (50% DSR)
Upfront cash ≈ HK$27.48M (deposit + AVD stamp duty HK$2,639,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,273
−HK$12,433/mo
▼ 0.25% · 3.875%
HK$204,440
−HK$6,266/mo
Today · 4.125%
HK$210,706
baseline
▲ 0.50% · 4.625%
HK$223,527
+HK$12,821/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$421,412/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,577
−HK$11,917/mo
▼ 0.25% · 3.875%
HK$226,492
−HK$6,002/mo
Today · 4.125%
HK$232,494
baseline
▲ 0.50% · 4.625%
HK$244,749
+HK$12,255/mo
Deposit HK$18.63M · loan HK$43.48M · min. income ≈ HK$464,988/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$2,639,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,922
−HK$15,986/mo
▼ 0.25% · 3.875%
HK$262,852
−HK$8,056/mo
Today · 4.125%
HK$270,908
baseline
▲ 0.50% · 4.625%
HK$287,392
+HK$16,484/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$541,816/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,598
−HK$15,322/mo
▼ 0.25% · 3.875%
HK$291,204
−HK$7,716/mo
Today · 4.125%
HK$298,920
baseline
▲ 0.50% · 4.625%
HK$314,677
+HK$15,757/mo
Deposit HK$6.21M · loan HK$55.90M · min. income ≈ HK$597,840/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,639,615 · Scale 2, in force from 26 Feb 2026)