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$158,209
−HK$9,922/mo
▼ 0.25% · 3.875%
HK$163,131
−HK$5,000/mo
Today · 4.125%
HK$168,131
baseline
▲ 0.50% · 4.625%
HK$178,361
+HK$10,230/mo
Deposit HK$34.69M · loan HK$34.69M · min. income ≈ HK$336,262/mo (50% DSR)
Upfront cash ≈ HK$37.64M (deposit + AVD stamp duty HK$2,948,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,006
−HK$9,509/mo
▼ 0.25% · 3.875%
HK$180,727
−HK$4,788/mo
Today · 4.125%
HK$185,515
baseline
▲ 0.50% · 4.625%
HK$195,294
+HK$9,779/mo
Deposit HK$34.69M · loan HK$34.69M · min. income ≈ HK$371,030/mo (50% DSR)
Upfront cash ≈ HK$37.64M (deposit + AVD stamp duty HK$2,948,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,851
−HK$11,906/mo
▼ 0.25% · 3.875%
HK$195,757
−HK$6,000/mo
Today · 4.125%
HK$201,757
baseline
▲ 0.50% · 4.625%
HK$214,033
+HK$12,276/mo
Deposit HK$27.75M · loan HK$41.63M · min. income ≈ HK$403,514/mo (50% DSR)
Upfront cash ≈ HK$30.70M (deposit + AVD stamp duty HK$2,948,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,208
−HK$11,411/mo
▼ 0.25% · 3.875%
HK$216,872
−HK$5,747/mo
Today · 4.125%
HK$222,619
baseline
▲ 0.50% · 4.625%
HK$234,353
+HK$11,734/mo
Deposit HK$27.75M · loan HK$41.63M · min. income ≈ HK$445,238/mo (50% DSR)
Upfront cash ≈ HK$30.70M (deposit + AVD stamp duty HK$2,948,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,493
−HK$13,890/mo
▼ 0.25% · 3.875%
HK$228,383
−HK$7,000/mo
Today · 4.125%
HK$235,383
baseline
▲ 0.50% · 4.625%
HK$249,705
+HK$14,322/mo
Deposit HK$20.81M · loan HK$48.57M · min. income ≈ HK$470,766/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,948,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,409
−HK$13,313/mo
▼ 0.25% · 3.875%
HK$253,018
−HK$6,704/mo
Today · 4.125%
HK$259,722
baseline
▲ 0.50% · 4.625%
HK$273,412
+HK$13,690/mo
Deposit HK$20.81M · loan HK$48.57M · min. income ≈ HK$519,444/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,948,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,777
−HK$17,858/mo
▼ 0.25% · 3.875%
HK$293,635
−HK$9,000/mo
Today · 4.125%
HK$302,635
baseline
▲ 0.50% · 4.625%
HK$321,050
+HK$18,415/mo
Deposit HK$6.94M · loan HK$62.44M · min. income ≈ HK$605,270/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$2,948,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,812
−HK$17,116/mo
▼ 0.25% · 3.875%
HK$325,308
−HK$8,620/mo
Today · 4.125%
HK$333,928
baseline
▲ 0.50% · 4.625%
HK$351,530
+HK$17,602/mo
Deposit HK$6.94M · loan HK$62.44M · min. income ≈ HK$667,856/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$2,948,748 · Scale 2, in force from 26 Feb 2026)