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$158,424
−HK$9,935/mo
▼ 0.25% · 3.875%
HK$163,352
−HK$5,007/mo
Today · 4.125%
HK$168,359
baseline
▲ 0.50% · 4.625%
HK$178,603
+HK$10,244/mo
Deposit HK$34.74M · loan HK$34.74M · min. income ≈ HK$336,718/mo (50% DSR)
Upfront cash ≈ HK$37.69M (deposit + AVD stamp duty HK$2,952,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,245
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$180,972
−HK$4,795/mo
Today · 4.125%
HK$185,767
baseline
▲ 0.50% · 4.625%
HK$195,559
+HK$9,792/mo
Deposit HK$34.74M · loan HK$34.74M · min. income ≈ HK$371,534/mo (50% DSR)
Upfront cash ≈ HK$37.69M (deposit + AVD stamp duty HK$2,952,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,109
−HK$11,921/mo
▼ 0.25% · 3.875%
HK$196,022
−HK$6,008/mo
Today · 4.125%
HK$202,030
baseline
▲ 0.50% · 4.625%
HK$214,323
+HK$12,293/mo
Deposit HK$27.79M · loan HK$41.69M · min. income ≈ HK$404,060/mo (50% DSR)
Upfront cash ≈ HK$30.74M (deposit + AVD stamp duty HK$2,952,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,494
−HK$11,427/mo
▼ 0.25% · 3.875%
HK$217,166
−HK$5,755/mo
Today · 4.125%
HK$222,921
baseline
▲ 0.50% · 4.625%
HK$234,671
+HK$11,750/mo
Deposit HK$27.79M · loan HK$41.69M · min. income ≈ HK$445,842/mo (50% DSR)
Upfront cash ≈ HK$30.74M (deposit + AVD stamp duty HK$2,952,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,794
−HK$13,908/mo
▼ 0.25% · 3.875%
HK$228,693
−HK$7,009/mo
Today · 4.125%
HK$235,702
baseline
▲ 0.50% · 4.625%
HK$250,044
+HK$14,342/mo
Deposit HK$20.84M · loan HK$48.63M · min. income ≈ HK$471,404/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,952,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,743
−HK$13,331/mo
▼ 0.25% · 3.875%
HK$253,361
−HK$6,713/mo
Today · 4.125%
HK$260,074
baseline
▲ 0.50% · 4.625%
HK$273,783
+HK$13,709/mo
Deposit HK$20.84M · loan HK$48.63M · min. income ≈ HK$520,148/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,952,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,163
−HK$17,883/mo
▼ 0.25% · 3.875%
HK$294,034
−HK$9,012/mo
Today · 4.125%
HK$303,046
baseline
▲ 0.50% · 4.625%
HK$321,485
+HK$18,439/mo
Deposit HK$6.95M · loan HK$62.53M · min. income ≈ HK$606,092/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,952,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,241
−HK$17,140/mo
▼ 0.25% · 3.875%
HK$325,750
−HK$8,631/mo
Today · 4.125%
HK$334,381
baseline
▲ 0.50% · 4.625%
HK$352,007
+HK$17,626/mo
Deposit HK$6.95M · loan HK$62.53M · min. income ≈ HK$668,762/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,952,749 · Scale 2, in force from 26 Feb 2026)