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$159,142
−HK$9,980/mo
▼ 0.25% · 3.875%
HK$164,092
−HK$5,030/mo
Today · 4.125%
HK$169,122
baseline
▲ 0.50% · 4.625%
HK$179,412
+HK$10,290/mo
Deposit HK$34.90M · loan HK$34.90M · min. income ≈ HK$338,244/mo (50% DSR)
Upfront cash ≈ HK$37.86M (deposit + AVD stamp duty HK$2,966,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,044
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$181,792
−HK$4,817/mo
Today · 4.125%
HK$186,609
baseline
▲ 0.50% · 4.625%
HK$196,445
+HK$9,836/mo
Deposit HK$34.90M · loan HK$34.90M · min. income ≈ HK$373,218/mo (50% DSR)
Upfront cash ≈ HK$37.86M (deposit + AVD stamp duty HK$2,966,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,970
−HK$11,976/mo
▼ 0.25% · 3.875%
HK$196,911
−HK$6,035/mo
Today · 4.125%
HK$202,946
baseline
▲ 0.50% · 4.625%
HK$215,295
+HK$12,349/mo
Deposit HK$27.92M · loan HK$41.87M · min. income ≈ HK$405,892/mo (50% DSR)
Upfront cash ≈ HK$30.88M (deposit + AVD stamp duty HK$2,966,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,453
−HK$11,478/mo
▼ 0.25% · 3.875%
HK$218,151
−HK$5,780/mo
Today · 4.125%
HK$223,931
baseline
▲ 0.50% · 4.625%
HK$235,735
+HK$11,804/mo
Deposit HK$27.92M · loan HK$41.87M · min. income ≈ HK$447,862/mo (50% DSR)
Upfront cash ≈ HK$30.88M (deposit + AVD stamp duty HK$2,966,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,799
−HK$13,971/mo
▼ 0.25% · 3.875%
HK$229,729
−HK$7,041/mo
Today · 4.125%
HK$236,770
baseline
▲ 0.50% · 4.625%
HK$251,177
+HK$14,407/mo
Deposit HK$20.94M · loan HK$48.85M · min. income ≈ HK$473,540/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,966,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,861
−HK$13,392/mo
▼ 0.25% · 3.875%
HK$254,509
−HK$6,744/mo
Today · 4.125%
HK$261,253
baseline
▲ 0.50% · 4.625%
HK$275,024
+HK$13,771/mo
Deposit HK$20.94M · loan HK$48.85M · min. income ≈ HK$522,506/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,966,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,456
−HK$17,963/mo
▼ 0.25% · 3.875%
HK$295,366
−HK$9,053/mo
Today · 4.125%
HK$304,419
baseline
▲ 0.50% · 4.625%
HK$322,942
+HK$18,523/mo
Deposit HK$6.98M · loan HK$62.81M · min. income ≈ HK$608,838/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$2,966,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,679
−HK$17,217/mo
▼ 0.25% · 3.875%
HK$327,226
−HK$8,670/mo
Today · 4.125%
HK$335,896
baseline
▲ 0.50% · 4.625%
HK$353,602
+HK$17,706/mo
Deposit HK$6.98M · loan HK$62.81M · min. income ≈ HK$671,792/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$2,966,130 · Scale 2, in force from 26 Feb 2026)