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$148,240
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$152,851
−HK$4,685/mo
Today · 4.125%
HK$157,536
baseline
▲ 0.50% · 4.625%
HK$167,121
+HK$9,585/mo
Deposit HK$32.51M · loan HK$32.51M · min. income ≈ HK$315,072/mo (50% DSR)
Upfront cash ≈ HK$35.27M (deposit + AVD stamp duty HK$2,762,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,915
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$169,338
−HK$4,487/mo
Today · 4.125%
HK$173,825
baseline
▲ 0.50% · 4.625%
HK$182,988
+HK$9,163/mo
Deposit HK$32.51M · loan HK$32.51M · min. income ≈ HK$347,650/mo (50% DSR)
Upfront cash ≈ HK$35.27M (deposit + AVD stamp duty HK$2,762,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,888
−HK$11,155/mo
▼ 0.25% · 3.875%
HK$183,421
−HK$5,622/mo
Today · 4.125%
HK$189,043
baseline
▲ 0.50% · 4.625%
HK$200,545
+HK$11,502/mo
Deposit HK$26.00M · loan HK$39.01M · min. income ≈ HK$378,086/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,762,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,898
−HK$10,692/mo
▼ 0.25% · 3.875%
HK$203,206
−HK$5,384/mo
Today · 4.125%
HK$208,590
baseline
▲ 0.50% · 4.625%
HK$219,585
+HK$10,995/mo
Deposit HK$26.00M · loan HK$39.01M · min. income ≈ HK$417,180/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,762,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,536
−HK$13,014/mo
▼ 0.25% · 3.875%
HK$213,991
−HK$6,559/mo
Today · 4.125%
HK$220,550
baseline
▲ 0.50% · 4.625%
HK$233,970
+HK$13,420/mo
Deposit HK$19.50M · loan HK$45.51M · min. income ≈ HK$441,100/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,762,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,881
−HK$12,474/mo
▼ 0.25% · 3.875%
HK$237,073
−HK$6,282/mo
Today · 4.125%
HK$243,355
baseline
▲ 0.50% · 4.625%
HK$256,183
+HK$12,828/mo
Deposit HK$19.50M · loan HK$45.51M · min. income ≈ HK$486,710/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,762,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,831
−HK$16,733/mo
▼ 0.25% · 3.875%
HK$275,131
−HK$8,433/mo
Today · 4.125%
HK$283,564
baseline
▲ 0.50% · 4.625%
HK$300,818
+HK$17,254/mo
Deposit HK$6.50M · loan HK$58.51M · min. income ≈ HK$567,128/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,762,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,847
−HK$16,038/mo
▼ 0.25% · 3.875%
HK$304,809
−HK$8,076/mo
Today · 4.125%
HK$312,885
baseline
▲ 0.50% · 4.625%
HK$329,378
+HK$16,493/mo
Deposit HK$6.50M · loan HK$58.51M · min. income ≈ HK$625,770/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,762,929 · Scale 2, in force from 26 Feb 2026)