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$154,459
−HK$9,686/mo
▼ 0.25% · 3.875%
HK$159,264
−HK$4,881/mo
Today · 4.125%
HK$164,145
baseline
▲ 0.50% · 4.625%
HK$174,133
+HK$9,988/mo
Deposit HK$33.87M · loan HK$33.87M · min. income ≈ HK$328,290/mo (50% DSR)
Upfront cash ≈ HK$36.75M (deposit + AVD stamp duty HK$2,878,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,835
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$176,443
−HK$4,675/mo
Today · 4.125%
HK$181,118
baseline
▲ 0.50% · 4.625%
HK$190,665
+HK$9,547/mo
Deposit HK$33.87M · loan HK$33.87M · min. income ≈ HK$362,236/mo (50% DSR)
Upfront cash ≈ HK$36.75M (deposit + AVD stamp duty HK$2,878,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,351
−HK$11,623/mo
▼ 0.25% · 3.875%
HK$191,117
−HK$5,857/mo
Today · 4.125%
HK$196,974
baseline
▲ 0.50% · 4.625%
HK$208,960
+HK$11,986/mo
Deposit HK$27.10M · loan HK$40.64M · min. income ≈ HK$393,948/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,878,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,201
−HK$11,141/mo
▼ 0.25% · 3.875%
HK$211,732
−HK$5,610/mo
Today · 4.125%
HK$217,342
baseline
▲ 0.50% · 4.625%
HK$228,798
+HK$11,456/mo
Deposit HK$27.10M · loan HK$40.64M · min. income ≈ HK$434,684/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,878,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,243
−HK$13,561/mo
▼ 0.25% · 3.875%
HK$222,970
−HK$6,834/mo
Today · 4.125%
HK$229,804
baseline
▲ 0.50% · 4.625%
HK$243,787
+HK$13,983/mo
Deposit HK$20.32M · loan HK$47.42M · min. income ≈ HK$459,608/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$2,878,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,568
−HK$12,998/mo
▼ 0.25% · 3.875%
HK$247,020
−HK$6,546/mo
Today · 4.125%
HK$253,566
baseline
▲ 0.50% · 4.625%
HK$266,931
+HK$13,365/mo
Deposit HK$20.32M · loan HK$47.42M · min. income ≈ HK$507,132/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$2,878,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,027
−HK$17,435/mo
▼ 0.25% · 3.875%
HK$286,675
−HK$8,787/mo
Today · 4.125%
HK$295,462
baseline
▲ 0.50% · 4.625%
HK$313,440
+HK$17,978/mo
Deposit HK$6.77M · loan HK$60.96M · min. income ≈ HK$590,924/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,878,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,302
−HK$16,711/mo
▼ 0.25% · 3.875%
HK$317,598
−HK$8,415/mo
Today · 4.125%
HK$326,013
baseline
▲ 0.50% · 4.625%
HK$343,197
+HK$17,184/mo
Deposit HK$6.77M · loan HK$60.96M · min. income ≈ HK$652,026/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,878,855 · Scale 2, in force from 26 Feb 2026)