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$150,736
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$155,425
−HK$4,764/mo
Today · 4.125%
HK$160,189
baseline
▲ 0.50% · 4.625%
HK$169,936
+HK$9,747/mo
Deposit HK$33.05M · loan HK$33.05M · min. income ≈ HK$320,378/mo (50% DSR)
Upfront cash ≈ HK$35.86M (deposit + AVD stamp duty HK$2,809,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,693
−HK$9,060/mo
▼ 0.25% · 3.875%
HK$172,190
−HK$4,563/mo
Today · 4.125%
HK$176,753
baseline
▲ 0.50% · 4.625%
HK$186,070
+HK$9,317/mo
Deposit HK$33.05M · loan HK$33.05M · min. income ≈ HK$353,506/mo (50% DSR)
Upfront cash ≈ HK$35.86M (deposit + AVD stamp duty HK$2,809,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,884
−HK$11,343/mo
▼ 0.25% · 3.875%
HK$186,510
−HK$5,717/mo
Today · 4.125%
HK$192,227
baseline
▲ 0.50% · 4.625%
HK$203,923
+HK$11,696/mo
Deposit HK$26.44M · loan HK$39.66M · min. income ≈ HK$384,454/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,809,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,231
−HK$10,872/mo
▼ 0.25% · 3.875%
HK$206,628
−HK$5,475/mo
Today · 4.125%
HK$212,103
baseline
▲ 0.50% · 4.625%
HK$223,283
+HK$11,180/mo
Deposit HK$26.44M · loan HK$39.66M · min. income ≈ HK$424,206/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,809,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,031
−HK$13,234/mo
▼ 0.25% · 3.875%
HK$217,595
−HK$6,670/mo
Today · 4.125%
HK$224,265
baseline
▲ 0.50% · 4.625%
HK$237,910
+HK$13,645/mo
Deposit HK$19.83M · loan HK$46.27M · min. income ≈ HK$448,530/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,809,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,770
−HK$12,684/mo
▼ 0.25% · 3.875%
HK$241,066
−HK$6,388/mo
Today · 4.125%
HK$247,454
baseline
▲ 0.50% · 4.625%
HK$260,497
+HK$13,043/mo
Deposit HK$19.83M · loan HK$46.27M · min. income ≈ HK$494,908/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,809,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,326
−HK$17,014/mo
▼ 0.25% · 3.875%
HK$279,765
−HK$8,575/mo
Today · 4.125%
HK$288,340
baseline
▲ 0.50% · 4.625%
HK$305,885
+HK$17,545/mo
Deposit HK$6.61M · loan HK$59.49M · min. income ≈ HK$576,680/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$2,809,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,847
−HK$16,308/mo
▼ 0.25% · 3.875%
HK$309,942
−HK$8,213/mo
Today · 4.125%
HK$318,155
baseline
▲ 0.50% · 4.625%
HK$334,925
+HK$16,770/mo
Deposit HK$6.61M · loan HK$59.49M · min. income ≈ HK$636,310/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$2,809,464 · Scale 2, in force from 26 Feb 2026)