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$149,435
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$154,083
−HK$4,723/mo
Today · 4.125%
HK$158,806
baseline
▲ 0.50% · 4.625%
HK$168,469
+HK$9,663/mo
Deposit HK$32.77M · loan HK$32.77M · min. income ≈ HK$317,612/mo (50% DSR)
Upfront cash ≈ HK$35.55M (deposit + AVD stamp duty HK$2,785,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,245
−HK$8,981/mo
▼ 0.25% · 3.875%
HK$170,703
−HK$4,523/mo
Today · 4.125%
HK$175,226
baseline
▲ 0.50% · 4.625%
HK$184,463
+HK$9,237/mo
Deposit HK$32.77M · loan HK$32.77M · min. income ≈ HK$350,452/mo (50% DSR)
Upfront cash ≈ HK$35.55M (deposit + AVD stamp duty HK$2,785,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,322
−HK$11,245/mo
▼ 0.25% · 3.875%
HK$184,900
−HK$5,667/mo
Today · 4.125%
HK$190,567
baseline
▲ 0.50% · 4.625%
HK$202,162
+HK$11,595/mo
Deposit HK$26.21M · loan HK$39.32M · min. income ≈ HK$381,134/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,785,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,494
−HK$10,778/mo
▼ 0.25% · 3.875%
HK$204,844
−HK$5,428/mo
Today · 4.125%
HK$210,272
baseline
▲ 0.50% · 4.625%
HK$221,355
+HK$11,083/mo
Deposit HK$26.21M · loan HK$39.32M · min. income ≈ HK$420,544/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,785,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,209
−HK$13,119/mo
▼ 0.25% · 3.875%
HK$215,716
−HK$6,612/mo
Today · 4.125%
HK$222,328
baseline
▲ 0.50% · 4.625%
HK$235,856
+HK$13,528/mo
Deposit HK$19.66M · loan HK$45.87M · min. income ≈ HK$444,656/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,785,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,743
−HK$12,574/mo
▼ 0.25% · 3.875%
HK$238,985
−HK$6,332/mo
Today · 4.125%
HK$245,317
baseline
▲ 0.50% · 4.625%
HK$258,248
+HK$12,931/mo
Deposit HK$19.66M · loan HK$45.87M · min. income ≈ HK$490,634/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,785,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,983
−HK$16,867/mo
▼ 0.25% · 3.875%
HK$277,350
−HK$8,500/mo
Today · 4.125%
HK$285,850
baseline
▲ 0.50% · 4.625%
HK$303,244
+HK$17,394/mo
Deposit HK$6.55M · loan HK$58.98M · min. income ≈ HK$571,700/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,785,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,241
−HK$16,167/mo
▼ 0.25% · 3.875%
HK$307,266
−HK$8,142/mo
Today · 4.125%
HK$315,408
baseline
▲ 0.50% · 4.625%
HK$332,033
+HK$16,625/mo
Deposit HK$6.55M · loan HK$58.98M · min. income ≈ HK$630,816/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,785,205 · Scale 2, in force from 26 Feb 2026)