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$156,883
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$161,763
−HK$4,958/mo
Today · 4.125%
HK$166,721
baseline
▲ 0.50% · 4.625%
HK$176,866
+HK$10,145/mo
Deposit HK$34.40M · loan HK$34.40M · min. income ≈ HK$333,442/mo (50% DSR)
Upfront cash ≈ HK$37.32M (deposit + AVD stamp duty HK$2,924,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,531
−HK$9,429/mo
▼ 0.25% · 3.875%
HK$179,212
−HK$4,748/mo
Today · 4.125%
HK$183,960
baseline
▲ 0.50% · 4.625%
HK$193,657
+HK$9,697/mo
Deposit HK$34.40M · loan HK$34.40M · min. income ≈ HK$367,920/mo (50% DSR)
Upfront cash ≈ HK$37.32M (deposit + AVD stamp duty HK$2,924,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,260
−HK$11,806/mo
▼ 0.25% · 3.875%
HK$194,116
−HK$5,950/mo
Today · 4.125%
HK$200,066
baseline
▲ 0.50% · 4.625%
HK$212,239
+HK$12,173/mo
Deposit HK$27.52M · loan HK$41.28M · min. income ≈ HK$400,132/mo (50% DSR)
Upfront cash ≈ HK$30.44M (deposit + AVD stamp duty HK$2,924,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,437
−HK$11,316/mo
▼ 0.25% · 3.875%
HK$215,054
−HK$5,699/mo
Today · 4.125%
HK$220,753
baseline
▲ 0.50% · 4.625%
HK$232,389
+HK$11,636/mo
Deposit HK$27.52M · loan HK$41.28M · min. income ≈ HK$441,506/mo (50% DSR)
Upfront cash ≈ HK$30.44M (deposit + AVD stamp duty HK$2,924,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,637
−HK$13,773/mo
▼ 0.25% · 3.875%
HK$226,469
−HK$6,941/mo
Today · 4.125%
HK$233,410
baseline
▲ 0.50% · 4.625%
HK$247,612
+HK$14,202/mo
Deposit HK$20.64M · loan HK$48.16M · min. income ≈ HK$466,820/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,924,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,344
−HK$13,201/mo
▼ 0.25% · 3.875%
HK$250,897
−HK$6,648/mo
Today · 4.125%
HK$257,545
baseline
▲ 0.50% · 4.625%
HK$271,120
+HK$13,575/mo
Deposit HK$20.64M · loan HK$48.16M · min. income ≈ HK$515,090/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,924,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,390
−HK$17,708/mo
▼ 0.25% · 3.875%
HK$291,174
−HK$8,924/mo
Today · 4.125%
HK$300,098
baseline
▲ 0.50% · 4.625%
HK$318,359
+HK$18,261/mo
Deposit HK$6.88M · loan HK$61.92M · min. income ≈ HK$600,196/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$2,924,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,156
−HK$16,973/mo
▼ 0.25% · 3.875%
HK$322,581
−HK$8,548/mo
Today · 4.125%
HK$331,129
baseline
▲ 0.50% · 4.625%
HK$348,583
+HK$17,454/mo
Deposit HK$6.88M · loan HK$61.92M · min. income ≈ HK$662,258/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$2,924,031 · Scale 2, in force from 26 Feb 2026)