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$148,375
−HK$9,304/mo
▼ 0.25% · 3.875%
HK$152,990
−HK$4,689/mo
Today · 4.125%
HK$157,679
baseline
▲ 0.50% · 4.625%
HK$167,274
+HK$9,595/mo
Deposit HK$32.53M · loan HK$32.53M · min. income ≈ HK$315,358/mo (50% DSR)
Upfront cash ≈ HK$35.30M (deposit + AVD stamp duty HK$2,765,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,066
−HK$8,918/mo
▼ 0.25% · 3.875%
HK$169,493
−HK$4,491/mo
Today · 4.125%
HK$173,984
baseline
▲ 0.50% · 4.625%
HK$183,155
+HK$9,171/mo
Deposit HK$32.53M · loan HK$32.53M · min. income ≈ HK$347,968/mo (50% DSR)
Upfront cash ≈ HK$35.30M (deposit + AVD stamp duty HK$2,765,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,050
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$183,588
−HK$5,627/mo
Today · 4.125%
HK$189,215
baseline
▲ 0.50% · 4.625%
HK$200,729
+HK$11,514/mo
Deposit HK$26.03M · loan HK$39.04M · min. income ≈ HK$378,430/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,765,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,079
−HK$10,701/mo
▼ 0.25% · 3.875%
HK$203,391
−HK$5,389/mo
Today · 4.125%
HK$208,780
baseline
▲ 0.50% · 4.625%
HK$219,785
+HK$11,005/mo
Deposit HK$26.03M · loan HK$39.04M · min. income ≈ HK$417,560/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,765,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,725
−HK$13,026/mo
▼ 0.25% · 3.875%
HK$214,186
−HK$6,565/mo
Today · 4.125%
HK$220,751
baseline
▲ 0.50% · 4.625%
HK$234,183
+HK$13,432/mo
Deposit HK$19.52M · loan HK$45.55M · min. income ≈ HK$441,502/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,765,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,092
−HK$12,485/mo
▼ 0.25% · 3.875%
HK$237,290
−HK$6,287/mo
Today · 4.125%
HK$243,577
baseline
▲ 0.50% · 4.625%
HK$256,416
+HK$12,839/mo
Deposit HK$19.52M · loan HK$45.55M · min. income ≈ HK$487,154/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$2,765,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,075
−HK$16,748/mo
▼ 0.25% · 3.875%
HK$275,382
−HK$8,441/mo
Today · 4.125%
HK$283,823
baseline
▲ 0.50% · 4.625%
HK$301,093
+HK$17,270/mo
Deposit HK$6.51M · loan HK$58.56M · min. income ≈ HK$567,646/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$2,765,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,118
−HK$16,053/mo
▼ 0.25% · 3.875%
HK$305,087
−HK$8,084/mo
Today · 4.125%
HK$313,171
baseline
▲ 0.50% · 4.625%
HK$329,678
+HK$16,507/mo
Deposit HK$6.51M · loan HK$58.56M · min. income ≈ HK$626,342/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$2,765,451 · Scale 2, in force from 26 Feb 2026)