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$155,783
−HK$9,769/mo
▼ 0.25% · 3.875%
HK$160,629
−HK$4,923/mo
Today · 4.125%
HK$165,552
baseline
▲ 0.50% · 4.625%
HK$175,626
+HK$10,074/mo
Deposit HK$34.16M · loan HK$34.16M · min. income ≈ HK$331,104/mo (50% DSR)
Upfront cash ≈ HK$37.06M (deposit + AVD stamp duty HK$2,903,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,307
−HK$9,363/mo
▼ 0.25% · 3.875%
HK$177,955
−HK$4,715/mo
Today · 4.125%
HK$182,670
baseline
▲ 0.50% · 4.625%
HK$192,299
+HK$9,629/mo
Deposit HK$34.16M · loan HK$34.16M · min. income ≈ HK$365,340/mo (50% DSR)
Upfront cash ≈ HK$37.06M (deposit + AVD stamp duty HK$2,903,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,940
−HK$11,723/mo
▼ 0.25% · 3.875%
HK$192,755
−HK$5,908/mo
Today · 4.125%
HK$198,663
baseline
▲ 0.50% · 4.625%
HK$210,751
+HK$12,088/mo
Deposit HK$27.33M · loan HK$40.99M · min. income ≈ HK$397,326/mo (50% DSR)
Upfront cash ≈ HK$30.23M (deposit + AVD stamp duty HK$2,903,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,969
−HK$11,235/mo
▼ 0.25% · 3.875%
HK$213,546
−HK$5,658/mo
Today · 4.125%
HK$219,204
baseline
▲ 0.50% · 4.625%
HK$230,759
+HK$11,555/mo
Deposit HK$27.33M · loan HK$40.99M · min. income ≈ HK$438,408/mo (50% DSR)
Upfront cash ≈ HK$30.23M (deposit + AVD stamp duty HK$2,903,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,096
−HK$13,677/mo
▼ 0.25% · 3.875%
HK$224,880
−HK$6,893/mo
Today · 4.125%
HK$231,773
baseline
▲ 0.50% · 4.625%
HK$245,876
+HK$14,103/mo
Deposit HK$20.50M · loan HK$47.82M · min. income ≈ HK$463,546/mo (50% DSR)
Upfront cash ≈ HK$23.40M (deposit + AVD stamp duty HK$2,903,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,630
−HK$13,109/mo
▼ 0.25% · 3.875%
HK$249,137
−HK$6,602/mo
Today · 4.125%
HK$255,739
baseline
▲ 0.50% · 4.625%
HK$269,219
+HK$13,480/mo
Deposit HK$20.50M · loan HK$47.82M · min. income ≈ HK$511,478/mo (50% DSR)
Upfront cash ≈ HK$23.40M (deposit + AVD stamp duty HK$2,903,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,410
−HK$17,584/mo
▼ 0.25% · 3.875%
HK$289,132
−HK$8,862/mo
Today · 4.125%
HK$297,994
baseline
▲ 0.50% · 4.625%
HK$316,126
+HK$18,132/mo
Deposit HK$6.83M · loan HK$61.49M · min. income ≈ HK$595,988/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$2,903,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,953
−HK$16,854/mo
▼ 0.25% · 3.875%
HK$320,319
−HK$8,488/mo
Today · 4.125%
HK$328,807
baseline
▲ 0.50% · 4.625%
HK$346,139
+HK$17,332/mo
Deposit HK$6.83M · loan HK$61.49M · min. income ≈ HK$657,614/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$2,903,526 · Scale 2, in force from 26 Feb 2026)