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$158,667
−HK$9,950/mo
▼ 0.25% · 3.875%
HK$163,602
−HK$5,015/mo
Today · 4.125%
HK$168,617
baseline
▲ 0.50% · 4.625%
HK$178,877
+HK$10,260/mo
Deposit HK$34.79M · loan HK$34.79M · min. income ≈ HK$337,234/mo (50% DSR)
Upfront cash ≈ HK$37.75M (deposit + AVD stamp duty HK$2,957,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,515
−HK$9,537/mo
▼ 0.25% · 3.875%
HK$181,249
−HK$4,803/mo
Today · 4.125%
HK$186,052
baseline
▲ 0.50% · 4.625%
HK$195,859
+HK$9,807/mo
Deposit HK$34.79M · loan HK$34.79M · min. income ≈ HK$372,104/mo (50% DSR)
Upfront cash ≈ HK$37.75M (deposit + AVD stamp duty HK$2,957,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,400
−HK$11,940/mo
▼ 0.25% · 3.875%
HK$196,323
−HK$6,017/mo
Today · 4.125%
HK$202,340
baseline
▲ 0.50% · 4.625%
HK$214,652
+HK$12,312/mo
Deposit HK$27.83M · loan HK$41.75M · min. income ≈ HK$404,680/mo (50% DSR)
Upfront cash ≈ HK$30.79M (deposit + AVD stamp duty HK$2,957,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,818
−HK$11,444/mo
▼ 0.25% · 3.875%
HK$217,499
−HK$5,763/mo
Today · 4.125%
HK$223,262
baseline
▲ 0.50% · 4.625%
HK$235,031
+HK$11,769/mo
Deposit HK$27.83M · loan HK$41.75M · min. income ≈ HK$446,524/mo (50% DSR)
Upfront cash ≈ HK$30.79M (deposit + AVD stamp duty HK$2,957,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,134
−HK$13,929/mo
▼ 0.25% · 3.875%
HK$229,043
−HK$7,020/mo
Today · 4.125%
HK$236,063
baseline
▲ 0.50% · 4.625%
HK$250,427
+HK$14,364/mo
Deposit HK$20.87M · loan HK$48.71M · min. income ≈ HK$472,126/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$2,957,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,121
−HK$13,352/mo
▼ 0.25% · 3.875%
HK$253,749
−HK$6,724/mo
Today · 4.125%
HK$260,473
baseline
▲ 0.50% · 4.625%
HK$274,202
+HK$13,729/mo
Deposit HK$20.87M · loan HK$48.71M · min. income ≈ HK$520,946/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$2,957,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,600
−HK$17,910/mo
▼ 0.25% · 3.875%
HK$294,484
−HK$9,026/mo
Today · 4.125%
HK$303,510
baseline
▲ 0.50% · 4.625%
HK$321,978
+HK$18,468/mo
Deposit HK$6.96M · loan HK$62.62M · min. income ≈ HK$607,020/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$2,957,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,727
−HK$17,166/mo
▼ 0.25% · 3.875%
HK$326,249
−HK$8,644/mo
Today · 4.125%
HK$334,893
baseline
▲ 0.50% · 4.625%
HK$352,546
+HK$17,653/mo
Deposit HK$6.96M · loan HK$62.62M · min. income ≈ HK$669,786/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$2,957,273 · Scale 2, in force from 26 Feb 2026)