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$159,051
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$163,998
−HK$5,027/mo
Today · 4.125%
HK$169,025
baseline
▲ 0.50% · 4.625%
HK$179,310
+HK$10,285/mo
Deposit HK$34.88M · loan HK$34.88M · min. income ≈ HK$338,050/mo (50% DSR)
Upfront cash ≈ HK$37.84M (deposit + AVD stamp duty HK$2,964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,943
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$181,688
−HK$4,814/mo
Today · 4.125%
HK$186,502
baseline
▲ 0.50% · 4.625%
HK$196,333
+HK$9,831/mo
Deposit HK$34.88M · loan HK$34.88M · min. income ≈ HK$373,004/mo (50% DSR)
Upfront cash ≈ HK$37.84M (deposit + AVD stamp duty HK$2,964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,861
−HK$11,969/mo
▼ 0.25% · 3.875%
HK$196,798
−HK$6,032/mo
Today · 4.125%
HK$202,830
baseline
▲ 0.50% · 4.625%
HK$215,171
+HK$12,341/mo
Deposit HK$27.90M · loan HK$41.85M · min. income ≈ HK$405,660/mo (50% DSR)
Upfront cash ≈ HK$30.86M (deposit + AVD stamp duty HK$2,964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,331
−HK$11,472/mo
▼ 0.25% · 3.875%
HK$218,026
−HK$5,777/mo
Today · 4.125%
HK$223,803
baseline
▲ 0.50% · 4.625%
HK$235,600
+HK$11,797/mo
Deposit HK$27.90M · loan HK$41.85M · min. income ≈ HK$447,606/mo (50% DSR)
Upfront cash ≈ HK$30.86M (deposit + AVD stamp duty HK$2,964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,671
−HK$13,964/mo
▼ 0.25% · 3.875%
HK$229,598
−HK$7,037/mo
Today · 4.125%
HK$236,635
baseline
▲ 0.50% · 4.625%
HK$251,033
+HK$14,398/mo
Deposit HK$20.93M · loan HK$48.83M · min. income ≈ HK$473,270/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,720
−HK$13,383/mo
▼ 0.25% · 3.875%
HK$254,363
−HK$6,740/mo
Today · 4.125%
HK$261,103
baseline
▲ 0.50% · 4.625%
HK$274,866
+HK$13,763/mo
Deposit HK$20.93M · loan HK$48.83M · min. income ≈ HK$522,206/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,292
−HK$17,953/mo
▼ 0.25% · 3.875%
HK$295,197
−HK$9,048/mo
Today · 4.125%
HK$304,245
baseline
▲ 0.50% · 4.625%
HK$322,757
+HK$18,512/mo
Deposit HK$6.98M · loan HK$62.78M · min. income ≈ HK$608,490/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,497
−HK$17,207/mo
▼ 0.25% · 3.875%
HK$327,038
−HK$8,666/mo
Today · 4.125%
HK$335,704
baseline
▲ 0.50% · 4.625%
HK$353,399
+HK$17,695/mo
Deposit HK$6.98M · loan HK$62.78M · min. income ≈ HK$671,408/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,431 · Scale 2, in force from 26 Feb 2026)