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$156,232
−HK$9,797/mo
▼ 0.25% · 3.875%
HK$161,091
−HK$4,938/mo
Today · 4.125%
HK$166,029
baseline
▲ 0.50% · 4.625%
HK$176,131
+HK$10,102/mo
Deposit HK$34.26M · loan HK$34.26M · min. income ≈ HK$332,058/mo (50% DSR)
Upfront cash ≈ HK$37.17M (deposit + AVD stamp duty HK$2,911,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,806
−HK$9,390/mo
▼ 0.25% · 3.875%
HK$178,468
−HK$4,728/mo
Today · 4.125%
HK$183,196
baseline
▲ 0.50% · 4.625%
HK$192,853
+HK$9,657/mo
Deposit HK$34.26M · loan HK$34.26M · min. income ≈ HK$366,392/mo (50% DSR)
Upfront cash ≈ HK$37.17M (deposit + AVD stamp duty HK$2,911,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,478
−HK$11,757/mo
▼ 0.25% · 3.875%
HK$193,310
−HK$5,925/mo
Today · 4.125%
HK$199,235
baseline
▲ 0.50% · 4.625%
HK$211,357
+HK$12,122/mo
Deposit HK$27.41M · loan HK$41.11M · min. income ≈ HK$398,470/mo (50% DSR)
Upfront cash ≈ HK$30.32M (deposit + AVD stamp duty HK$2,911,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,567
−HK$11,269/mo
▼ 0.25% · 3.875%
HK$214,161
−HK$5,675/mo
Today · 4.125%
HK$219,836
baseline
▲ 0.50% · 4.625%
HK$231,423
+HK$11,587/mo
Deposit HK$27.41M · loan HK$41.11M · min. income ≈ HK$439,672/mo (50% DSR)
Upfront cash ≈ HK$30.32M (deposit + AVD stamp duty HK$2,911,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,724
−HK$13,716/mo
▼ 0.25% · 3.875%
HK$225,528
−HK$6,912/mo
Today · 4.125%
HK$232,440
baseline
▲ 0.50% · 4.625%
HK$246,584
+HK$14,144/mo
Deposit HK$20.55M · loan HK$47.96M · min. income ≈ HK$464,880/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$2,911,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,329
−HK$13,146/mo
▼ 0.25% · 3.875%
HK$249,855
−HK$6,620/mo
Today · 4.125%
HK$256,475
baseline
▲ 0.50% · 4.625%
HK$269,994
+HK$13,519/mo
Deposit HK$20.55M · loan HK$47.96M · min. income ≈ HK$512,950/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$2,911,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,217
−HK$17,635/mo
▼ 0.25% · 3.875%
HK$289,964
−HK$8,888/mo
Today · 4.125%
HK$298,852
baseline
▲ 0.50% · 4.625%
HK$317,036
+HK$18,184/mo
Deposit HK$6.85M · loan HK$61.66M · min. income ≈ HK$597,704/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,911,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,851
−HK$16,902/mo
▼ 0.25% · 3.875%
HK$321,242
−HK$8,511/mo
Today · 4.125%
HK$329,753
baseline
▲ 0.50% · 4.625%
HK$347,135
+HK$17,382/mo
Deposit HK$6.85M · loan HK$61.66M · min. income ≈ HK$659,506/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,911,886 · Scale 2, in force from 26 Feb 2026)