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$141,686
−HK$8,885/mo
▼ 0.25% · 3.875%
HK$146,093
−HK$4,478/mo
Today · 4.125%
HK$150,571
baseline
▲ 0.50% · 4.625%
HK$159,733
+HK$9,162/mo
Deposit HK$31.07M · loan HK$31.07M · min. income ≈ HK$301,142/mo (50% DSR)
Upfront cash ≈ HK$33.71M (deposit + AVD stamp duty HK$2,640,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,624
−HK$8,516/mo
▼ 0.25% · 3.875%
HK$161,852
−HK$4,288/mo
Today · 4.125%
HK$166,140
baseline
▲ 0.50% · 4.625%
HK$174,898
+HK$8,758/mo
Deposit HK$31.07M · loan HK$31.07M · min. income ≈ HK$332,280/mo (50% DSR)
Upfront cash ≈ HK$33.71M (deposit + AVD stamp duty HK$2,640,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,023
−HK$10,662/mo
▼ 0.25% · 3.875%
HK$175,312
−HK$5,373/mo
Today · 4.125%
HK$180,685
baseline
▲ 0.50% · 4.625%
HK$191,679
+HK$10,994/mo
Deposit HK$24.85M · loan HK$37.28M · min. income ≈ HK$361,370/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,640,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,149
−HK$10,219/mo
▼ 0.25% · 3.875%
HK$194,222
−HK$5,146/mo
Today · 4.125%
HK$199,368
baseline
▲ 0.50% · 4.625%
HK$209,877
+HK$10,509/mo
Deposit HK$24.85M · loan HK$37.28M · min. income ≈ HK$398,736/mo (50% DSR)
Upfront cash ≈ HK$27.50M (deposit + AVD stamp duty HK$2,640,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,360
−HK$12,439/mo
▼ 0.25% · 3.875%
HK$204,531
−HK$6,268/mo
Today · 4.125%
HK$210,799
baseline
▲ 0.50% · 4.625%
HK$223,626
+HK$12,827/mo
Deposit HK$18.64M · loan HK$43.50M · min. income ≈ HK$421,598/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,640,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,674
−HK$11,922/mo
▼ 0.25% · 3.875%
HK$226,592
−HK$6,004/mo
Today · 4.125%
HK$232,596
baseline
▲ 0.50% · 4.625%
HK$244,857
+HK$12,261/mo
Deposit HK$18.64M · loan HK$43.50M · min. income ≈ HK$465,192/mo (50% DSR)
Upfront cash ≈ HK$21.28M (deposit + AVD stamp duty HK$2,640,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,035
−HK$15,993/mo
▼ 0.25% · 3.875%
HK$262,968
−HK$8,060/mo
Today · 4.125%
HK$271,028
baseline
▲ 0.50% · 4.625%
HK$287,519
+HK$16,491/mo
Deposit HK$6.21M · loan HK$55.92M · min. income ≈ HK$542,056/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,640,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,724
−HK$15,328/mo
▼ 0.25% · 3.875%
HK$291,333
−HK$7,719/mo
Today · 4.125%
HK$299,052
baseline
▲ 0.50% · 4.625%
HK$314,816
+HK$15,764/mo
Deposit HK$6.21M · loan HK$55.92M · min. income ≈ HK$598,104/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$2,640,781 · Scale 2, in force from 26 Feb 2026)