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$151,873
−HK$9,524/mo
▼ 0.25% · 3.875%
HK$156,598
−HK$4,799/mo
Today · 4.125%
HK$161,397
baseline
▲ 0.50% · 4.625%
HK$171,218
+HK$9,821/mo
Deposit HK$33.30M · loan HK$33.30M · min. income ≈ HK$322,794/mo (50% DSR)
Upfront cash ≈ HK$36.13M (deposit + AVD stamp duty HK$2,830,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,958
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$173,489
−HK$4,597/mo
Today · 4.125%
HK$178,086
baseline
▲ 0.50% · 4.625%
HK$187,473
+HK$9,387/mo
Deposit HK$33.30M · loan HK$33.30M · min. income ≈ HK$356,172/mo (50% DSR)
Upfront cash ≈ HK$36.13M (deposit + AVD stamp duty HK$2,830,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,248
−HK$11,429/mo
▼ 0.25% · 3.875%
HK$187,917
−HK$5,760/mo
Today · 4.125%
HK$193,677
baseline
▲ 0.50% · 4.625%
HK$205,461
+HK$11,784/mo
Deposit HK$26.64M · loan HK$39.96M · min. income ≈ HK$387,354/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,830,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,749
−HK$10,954/mo
▼ 0.25% · 3.875%
HK$208,187
−HK$5,516/mo
Today · 4.125%
HK$213,703
baseline
▲ 0.50% · 4.625%
HK$224,968
+HK$11,265/mo
Deposit HK$26.64M · loan HK$39.96M · min. income ≈ HK$427,406/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,830,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,623
−HK$13,333/mo
▼ 0.25% · 3.875%
HK$219,237
−HK$6,719/mo
Today · 4.125%
HK$225,956
baseline
▲ 0.50% · 4.625%
HK$239,705
+HK$13,749/mo
Deposit HK$19.98M · loan HK$46.62M · min. income ≈ HK$451,912/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,830,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,541
−HK$12,779/mo
▼ 0.25% · 3.875%
HK$242,885
−HK$6,435/mo
Today · 4.125%
HK$249,320
baseline
▲ 0.50% · 4.625%
HK$262,462
+HK$13,142/mo
Deposit HK$19.98M · loan HK$46.62M · min. income ≈ HK$498,640/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,830,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,372
−HK$17,143/mo
▼ 0.25% · 3.875%
HK$281,876
−HK$8,639/mo
Today · 4.125%
HK$290,515
baseline
▲ 0.50% · 4.625%
HK$308,192
+HK$17,677/mo
Deposit HK$6.66M · loan HK$59.94M · min. income ≈ HK$581,030/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$2,830,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,124
−HK$16,431/mo
▼ 0.25% · 3.875%
HK$312,280
−HK$8,275/mo
Today · 4.125%
HK$320,555
baseline
▲ 0.50% · 4.625%
HK$337,452
+HK$16,897/mo
Deposit HK$6.66M · loan HK$59.94M · min. income ≈ HK$641,110/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$2,830,657 · Scale 2, in force from 26 Feb 2026)