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$154,338
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$159,138
−HK$4,878/mo
Today · 4.125%
HK$164,016
baseline
▲ 0.50% · 4.625%
HK$173,996
+HK$9,980/mo
Deposit HK$33.84M · loan HK$33.84M · min. income ≈ HK$328,032/mo (50% DSR)
Upfront cash ≈ HK$36.72M (deposit + AVD stamp duty HK$2,876,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,699
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$176,304
−HK$4,672/mo
Today · 4.125%
HK$180,976
baseline
▲ 0.50% · 4.625%
HK$190,515
+HK$9,539/mo
Deposit HK$33.84M · loan HK$33.84M · min. income ≈ HK$361,952/mo (50% DSR)
Upfront cash ≈ HK$36.72M (deposit + AVD stamp duty HK$2,876,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,205
−HK$11,614/mo
▼ 0.25% · 3.875%
HK$190,966
−HK$5,853/mo
Today · 4.125%
HK$196,819
baseline
▲ 0.50% · 4.625%
HK$208,795
+HK$11,976/mo
Deposit HK$27.07M · loan HK$40.61M · min. income ≈ HK$393,638/mo (50% DSR)
Upfront cash ≈ HK$29.95M (deposit + AVD stamp duty HK$2,876,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,039
−HK$11,132/mo
▼ 0.25% · 3.875%
HK$211,565
−HK$5,606/mo
Today · 4.125%
HK$217,171
baseline
▲ 0.50% · 4.625%
HK$228,618
+HK$11,447/mo
Deposit HK$27.07M · loan HK$40.61M · min. income ≈ HK$434,342/mo (50% DSR)
Upfront cash ≈ HK$29.95M (deposit + AVD stamp duty HK$2,876,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,073
−HK$13,549/mo
▼ 0.25% · 3.875%
HK$222,794
−HK$6,828/mo
Today · 4.125%
HK$229,622
baseline
▲ 0.50% · 4.625%
HK$243,594
+HK$13,972/mo
Deposit HK$20.31M · loan HK$47.38M · min. income ≈ HK$459,244/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$2,876,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,379
−HK$12,987/mo
▼ 0.25% · 3.875%
HK$246,826
−HK$6,540/mo
Today · 4.125%
HK$253,366
baseline
▲ 0.50% · 4.625%
HK$266,721
+HK$13,355/mo
Deposit HK$20.31M · loan HK$47.38M · min. income ≈ HK$506,732/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$2,876,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,808
−HK$17,421/mo
▼ 0.25% · 3.875%
HK$286,449
−HK$8,780/mo
Today · 4.125%
HK$295,229
baseline
▲ 0.50% · 4.625%
HK$313,193
+HK$17,964/mo
Deposit HK$6.77M · loan HK$60.92M · min. income ≈ HK$590,458/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,876,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,058
−HK$16,698/mo
▼ 0.25% · 3.875%
HK$317,347
−HK$8,409/mo
Today · 4.125%
HK$325,756
baseline
▲ 0.50% · 4.625%
HK$342,927
+HK$17,171/mo
Deposit HK$6.77M · loan HK$60.92M · min. income ≈ HK$651,512/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,876,586 · Scale 2, in force from 26 Feb 2026)