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$156,754
−HK$9,830/mo
▼ 0.25% · 3.875%
HK$161,630
−HK$4,954/mo
Today · 4.125%
HK$166,584
baseline
▲ 0.50% · 4.625%
HK$176,720
+HK$10,136/mo
Deposit HK$34.37M · loan HK$34.37M · min. income ≈ HK$333,168/mo (50% DSR)
Upfront cash ≈ HK$37.29M (deposit + AVD stamp duty HK$2,921,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,387
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$179,064
−HK$4,745/mo
Today · 4.125%
HK$183,809
baseline
▲ 0.50% · 4.625%
HK$193,498
+HK$9,689/mo
Deposit HK$34.37M · loan HK$34.37M · min. income ≈ HK$367,618/mo (50% DSR)
Upfront cash ≈ HK$37.29M (deposit + AVD stamp duty HK$2,921,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,105
−HK$11,796/mo
▼ 0.25% · 3.875%
HK$193,956
−HK$5,945/mo
Today · 4.125%
HK$199,901
baseline
▲ 0.50% · 4.625%
HK$212,064
+HK$12,163/mo
Deposit HK$27.50M · loan HK$41.25M · min. income ≈ HK$399,802/mo (50% DSR)
Upfront cash ≈ HK$30.42M (deposit + AVD stamp duty HK$2,921,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,265
−HK$11,306/mo
▼ 0.25% · 3.875%
HK$214,877
−HK$5,694/mo
Today · 4.125%
HK$220,571
baseline
▲ 0.50% · 4.625%
HK$232,197
+HK$11,626/mo
Deposit HK$27.50M · loan HK$41.25M · min. income ≈ HK$441,142/mo (50% DSR)
Upfront cash ≈ HK$30.42M (deposit + AVD stamp duty HK$2,921,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,456
−HK$13,761/mo
▼ 0.25% · 3.875%
HK$226,282
−HK$6,935/mo
Today · 4.125%
HK$233,217
baseline
▲ 0.50% · 4.625%
HK$247,408
+HK$14,191/mo
Deposit HK$20.62M · loan HK$48.12M · min. income ≈ HK$466,434/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,921,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,142
−HK$13,190/mo
▼ 0.25% · 3.875%
HK$250,690
−HK$6,642/mo
Today · 4.125%
HK$257,332
baseline
▲ 0.50% · 4.625%
HK$270,897
+HK$13,565/mo
Deposit HK$20.62M · loan HK$48.12M · min. income ≈ HK$514,664/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,921,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,157
−HK$17,694/mo
▼ 0.25% · 3.875%
HK$290,934
−HK$8,917/mo
Today · 4.125%
HK$299,851
baseline
▲ 0.50% · 4.625%
HK$318,096
+HK$18,245/mo
Deposit HK$6.87M · loan HK$61.87M · min. income ≈ HK$599,702/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$2,921,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,897
−HK$16,959/mo
▼ 0.25% · 3.875%
HK$322,315
−HK$8,541/mo
Today · 4.125%
HK$330,856
baseline
▲ 0.50% · 4.625%
HK$348,296
+HK$17,440/mo
Deposit HK$6.87M · loan HK$61.87M · min. income ≈ HK$661,712/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$2,921,620 · Scale 2, in force from 26 Feb 2026)