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$151,379
−HK$9,493/mo
▼ 0.25% · 3.875%
HK$156,088
−HK$4,784/mo
Today · 4.125%
HK$160,872
baseline
▲ 0.50% · 4.625%
HK$170,661
+HK$9,789/mo
Deposit HK$33.19M · loan HK$33.19M · min. income ≈ HK$321,744/mo (50% DSR)
Upfront cash ≈ HK$36.01M (deposit + AVD stamp duty HK$2,821,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,408
−HK$9,099/mo
▼ 0.25% · 3.875%
HK$172,925
−HK$4,582/mo
Today · 4.125%
HK$177,507
baseline
▲ 0.50% · 4.625%
HK$186,863
+HK$9,356/mo
Deposit HK$33.19M · loan HK$33.19M · min. income ≈ HK$355,014/mo (50% DSR)
Upfront cash ≈ HK$36.01M (deposit + AVD stamp duty HK$2,821,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,655
−HK$11,392/mo
▼ 0.25% · 3.875%
HK$187,306
−HK$5,741/mo
Today · 4.125%
HK$193,047
baseline
▲ 0.50% · 4.625%
HK$204,793
+HK$11,746/mo
Deposit HK$26.55M · loan HK$39.83M · min. income ≈ HK$386,094/mo (50% DSR)
Upfront cash ≈ HK$29.38M (deposit + AVD stamp duty HK$2,821,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,090
−HK$10,918/mo
▼ 0.25% · 3.875%
HK$207,509
−HK$5,499/mo
Today · 4.125%
HK$213,008
baseline
▲ 0.50% · 4.625%
HK$224,236
+HK$11,228/mo
Deposit HK$26.55M · loan HK$39.83M · min. income ≈ HK$426,016/mo (50% DSR)
Upfront cash ≈ HK$29.38M (deposit + AVD stamp duty HK$2,821,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,931
−HK$13,290/mo
▼ 0.25% · 3.875%
HK$218,523
−HK$6,698/mo
Today · 4.125%
HK$225,221
baseline
▲ 0.50% · 4.625%
HK$238,925
+HK$13,704/mo
Deposit HK$19.92M · loan HK$46.47M · min. income ≈ HK$450,442/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$2,821,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,771
−HK$12,738/mo
▼ 0.25% · 3.875%
HK$242,094
−HK$6,415/mo
Today · 4.125%
HK$248,509
baseline
▲ 0.50% · 4.625%
HK$261,608
+HK$13,099/mo
Deposit HK$19.92M · loan HK$46.47M · min. income ≈ HK$497,018/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$2,821,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,483
−HK$17,087/mo
▼ 0.25% · 3.875%
HK$280,958
−HK$8,612/mo
Today · 4.125%
HK$289,570
baseline
▲ 0.50% · 4.625%
HK$307,189
+HK$17,619/mo
Deposit HK$6.64M · loan HK$59.75M · min. income ≈ HK$579,140/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$2,821,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,134
−HK$16,378/mo
▼ 0.25% · 3.875%
HK$311,264
−HK$8,248/mo
Today · 4.125%
HK$319,512
baseline
▲ 0.50% · 4.625%
HK$336,354
+HK$16,842/mo
Deposit HK$6.64M · loan HK$59.75M · min. income ≈ HK$639,024/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$2,821,446 · Scale 2, in force from 26 Feb 2026)