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$149,393
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,039
−HK$4,722/mo
Today · 4.125%
HK$158,761
baseline
▲ 0.50% · 4.625%
HK$168,421
+HK$9,660/mo
Deposit HK$32.76M · loan HK$32.76M · min. income ≈ HK$317,522/mo (50% DSR)
Upfront cash ≈ HK$35.54M (deposit + AVD stamp duty HK$2,784,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,198
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,655
−HK$4,522/mo
Today · 4.125%
HK$175,177
baseline
▲ 0.50% · 4.625%
HK$184,411
+HK$9,234/mo
Deposit HK$32.76M · loan HK$32.76M · min. income ≈ HK$350,354/mo (50% DSR)
Upfront cash ≈ HK$35.54M (deposit + AVD stamp duty HK$2,784,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,271
−HK$11,242/mo
▼ 0.25% · 3.875%
HK$184,847
−HK$5,666/mo
Today · 4.125%
HK$190,513
baseline
▲ 0.50% · 4.625%
HK$202,105
+HK$11,592/mo
Deposit HK$26.21M · loan HK$39.31M · min. income ≈ HK$381,026/mo (50% DSR)
Upfront cash ≈ HK$28.99M (deposit + AVD stamp duty HK$2,784,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,437
−HK$10,775/mo
▼ 0.25% · 3.875%
HK$204,786
−HK$5,426/mo
Today · 4.125%
HK$210,212
baseline
▲ 0.50% · 4.625%
HK$221,293
+HK$11,081/mo
Deposit HK$26.21M · loan HK$39.31M · min. income ≈ HK$420,424/mo (50% DSR)
Upfront cash ≈ HK$28.99M (deposit + AVD stamp duty HK$2,784,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,150
−HK$13,115/mo
▼ 0.25% · 3.875%
HK$215,655
−HK$6,610/mo
Today · 4.125%
HK$222,265
baseline
▲ 0.50% · 4.625%
HK$235,789
+HK$13,524/mo
Deposit HK$19.65M · loan HK$45.86M · min. income ≈ HK$444,530/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,784,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,677
−HK$12,571/mo
▼ 0.25% · 3.875%
HK$238,917
−HK$6,331/mo
Today · 4.125%
HK$245,248
baseline
▲ 0.50% · 4.625%
HK$258,175
+HK$12,927/mo
Deposit HK$19.65M · loan HK$45.86M · min. income ≈ HK$490,496/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,784,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,907
−HK$16,862/mo
▼ 0.25% · 3.875%
HK$277,271
−HK$8,498/mo
Today · 4.125%
HK$285,769
baseline
▲ 0.50% · 4.625%
HK$303,158
+HK$17,389/mo
Deposit HK$6.55M · loan HK$58.96M · min. income ≈ HK$571,538/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,784,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,156
−HK$16,162/mo
▼ 0.25% · 3.875%
HK$307,179
−HK$8,139/mo
Today · 4.125%
HK$315,318
baseline
▲ 0.50% · 4.625%
HK$331,939
+HK$16,621/mo
Deposit HK$6.55M · loan HK$58.96M · min. income ≈ HK$630,636/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,784,416 · Scale 2, in force from 26 Feb 2026)