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$155,208
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$160,035
−HK$4,905/mo
Today · 4.125%
HK$164,940
baseline
▲ 0.50% · 4.625%
HK$174,977
+HK$10,037/mo
Deposit HK$34.03M · loan HK$34.03M · min. income ≈ HK$329,880/mo (50% DSR)
Upfront cash ≈ HK$36.93M (deposit + AVD stamp duty HK$2,892,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,667
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,298
−HK$4,698/mo
Today · 4.125%
HK$181,996
baseline
▲ 0.50% · 4.625%
HK$191,589
+HK$9,593/mo
Deposit HK$34.03M · loan HK$34.03M · min. income ≈ HK$363,992/mo (50% DSR)
Upfront cash ≈ HK$36.93M (deposit + AVD stamp duty HK$2,892,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,249
−HK$11,680/mo
▼ 0.25% · 3.875%
HK$192,043
−HK$5,886/mo
Today · 4.125%
HK$197,929
baseline
▲ 0.50% · 4.625%
HK$209,972
+HK$12,043/mo
Deposit HK$27.23M · loan HK$40.84M · min. income ≈ HK$395,858/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,892,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,200
−HK$11,195/mo
▼ 0.25% · 3.875%
HK$212,757
−HK$5,638/mo
Today · 4.125%
HK$218,395
baseline
▲ 0.50% · 4.625%
HK$229,907
+HK$11,512/mo
Deposit HK$27.23M · loan HK$40.84M · min. income ≈ HK$436,790/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,892,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,291
−HK$13,626/mo
▼ 0.25% · 3.875%
HK$224,050
−HK$6,867/mo
Today · 4.125%
HK$230,917
baseline
▲ 0.50% · 4.625%
HK$244,967
+HK$14,050/mo
Deposit HK$20.42M · loan HK$47.65M · min. income ≈ HK$461,834/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$2,892,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,734
−HK$13,060/mo
▼ 0.25% · 3.875%
HK$248,217
−HK$6,577/mo
Today · 4.125%
HK$254,794
baseline
▲ 0.50% · 4.625%
HK$268,224
+HK$13,430/mo
Deposit HK$20.42M · loan HK$47.65M · min. income ≈ HK$509,588/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$2,892,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,374
−HK$17,519/mo
▼ 0.25% · 3.875%
HK$288,064
−HK$8,829/mo
Today · 4.125%
HK$296,893
baseline
▲ 0.50% · 4.625%
HK$314,958
+HK$18,065/mo
Deposit HK$6.81M · loan HK$61.26M · min. income ≈ HK$593,786/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$2,892,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,800
−HK$16,792/mo
▼ 0.25% · 3.875%
HK$319,136
−HK$8,456/mo
Today · 4.125%
HK$327,592
baseline
▲ 0.50% · 4.625%
HK$344,860
+HK$17,268/mo
Deposit HK$6.81M · loan HK$61.26M · min. income ≈ HK$655,184/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$2,892,799 · Scale 2, in force from 26 Feb 2026)