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$156,460
−HK$9,812/mo
▼ 0.25% · 3.875%
HK$161,327
−HK$4,945/mo
Today · 4.125%
HK$166,272
baseline
▲ 0.50% · 4.625%
HK$176,389
+HK$10,117/mo
Deposit HK$34.31M · loan HK$34.31M · min. income ≈ HK$332,544/mo (50% DSR)
Upfront cash ≈ HK$37.22M (deposit + AVD stamp duty HK$2,916,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,061
−HK$9,404/mo
▼ 0.25% · 3.875%
HK$178,729
−HK$4,736/mo
Today · 4.125%
HK$183,465
baseline
▲ 0.50% · 4.625%
HK$193,135
+HK$9,670/mo
Deposit HK$34.31M · loan HK$34.31M · min. income ≈ HK$366,930/mo (50% DSR)
Upfront cash ≈ HK$37.22M (deposit + AVD stamp duty HK$2,916,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,753
−HK$11,773/mo
▼ 0.25% · 3.875%
HK$193,593
−HK$5,933/mo
Today · 4.125%
HK$199,526
baseline
▲ 0.50% · 4.625%
HK$211,667
+HK$12,141/mo
Deposit HK$27.45M · loan HK$41.17M · min. income ≈ HK$399,052/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,916,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,873
−HK$11,285/mo
▼ 0.25% · 3.875%
HK$214,475
−HK$5,683/mo
Today · 4.125%
HK$220,158
baseline
▲ 0.50% · 4.625%
HK$231,762
+HK$11,604/mo
Deposit HK$27.45M · loan HK$41.17M · min. income ≈ HK$440,316/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,916,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,045
−HK$13,736/mo
▼ 0.25% · 3.875%
HK$225,858
−HK$6,923/mo
Today · 4.125%
HK$232,781
baseline
▲ 0.50% · 4.625%
HK$246,945
+HK$14,164/mo
Deposit HK$20.58M · loan HK$48.03M · min. income ≈ HK$465,562/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,916,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,685
−HK$13,166/mo
▼ 0.25% · 3.875%
HK$250,220
−HK$6,631/mo
Today · 4.125%
HK$256,851
baseline
▲ 0.50% · 4.625%
HK$270,389
+HK$13,538/mo
Deposit HK$20.58M · loan HK$48.03M · min. income ≈ HK$513,702/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,916,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,629
−HK$17,660/mo
▼ 0.25% · 3.875%
HK$290,389
−HK$8,900/mo
Today · 4.125%
HK$299,289
baseline
▲ 0.50% · 4.625%
HK$317,500
+HK$18,211/mo
Deposit HK$6.86M · loan HK$61.75M · min. income ≈ HK$598,578/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,916,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,309
−HK$16,927/mo
▼ 0.25% · 3.875%
HK$321,712
−HK$8,524/mo
Today · 4.125%
HK$330,236
baseline
▲ 0.50% · 4.625%
HK$347,644
+HK$17,408/mo
Deposit HK$6.86M · loan HK$61.75M · min. income ≈ HK$660,472/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,916,150 · Scale 2, in force from 26 Feb 2026)