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$155,655
−HK$9,761/mo
▼ 0.25% · 3.875%
HK$160,497
−HK$4,919/mo
Today · 4.125%
HK$165,416
baseline
▲ 0.50% · 4.625%
HK$175,481
+HK$10,065/mo
Deposit HK$34.13M · loan HK$34.13M · min. income ≈ HK$330,832/mo (50% DSR)
Upfront cash ≈ HK$37.03M (deposit + AVD stamp duty HK$2,901,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,164
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$177,809
−HK$4,711/mo
Today · 4.125%
HK$182,520
baseline
▲ 0.50% · 4.625%
HK$192,141
+HK$9,621/mo
Deposit HK$34.13M · loan HK$34.13M · min. income ≈ HK$365,040/mo (50% DSR)
Upfront cash ≈ HK$37.03M (deposit + AVD stamp duty HK$2,901,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,786
−HK$11,713/mo
▼ 0.25% · 3.875%
HK$192,596
−HK$5,903/mo
Today · 4.125%
HK$198,499
baseline
▲ 0.50% · 4.625%
HK$210,577
+HK$12,078/mo
Deposit HK$27.30M · loan HK$40.96M · min. income ≈ HK$396,998/mo (50% DSR)
Upfront cash ≈ HK$30.21M (deposit + AVD stamp duty HK$2,901,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,797
−HK$11,227/mo
▼ 0.25% · 3.875%
HK$213,370
−HK$5,654/mo
Today · 4.125%
HK$219,024
baseline
▲ 0.50% · 4.625%
HK$230,569
+HK$11,545/mo
Deposit HK$27.30M · loan HK$40.96M · min. income ≈ HK$438,048/mo (50% DSR)
Upfront cash ≈ HK$30.21M (deposit + AVD stamp duty HK$2,901,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,917
−HK$13,665/mo
▼ 0.25% · 3.875%
HK$224,695
−HK$6,887/mo
Today · 4.125%
HK$231,582
baseline
▲ 0.50% · 4.625%
HK$245,673
+HK$14,091/mo
Deposit HK$20.48M · loan HK$47.78M · min. income ≈ HK$463,164/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,901,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,430
−HK$13,098/mo
▼ 0.25% · 3.875%
HK$248,932
−HK$6,596/mo
Today · 4.125%
HK$255,528
baseline
▲ 0.50% · 4.625%
HK$268,997
+HK$13,469/mo
Deposit HK$20.48M · loan HK$47.78M · min. income ≈ HK$511,056/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,901,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,179
−HK$17,569/mo
▼ 0.25% · 3.875%
HK$288,894
−HK$8,854/mo
Today · 4.125%
HK$297,748
baseline
▲ 0.50% · 4.625%
HK$315,866
+HK$18,118/mo
Deposit HK$6.83M · loan HK$61.44M · min. income ≈ HK$595,496/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,901,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,696
−HK$16,840/mo
▼ 0.25% · 3.875%
HK$320,055
−HK$8,481/mo
Today · 4.125%
HK$328,536
baseline
▲ 0.50% · 4.625%
HK$345,853
+HK$17,317/mo
Deposit HK$6.83M · loan HK$61.44M · min. income ≈ HK$657,072/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,901,134 · Scale 2, in force from 26 Feb 2026)