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$154,405
−HK$9,682/mo
▼ 0.25% · 3.875%
HK$159,207
−HK$4,880/mo
Today · 4.125%
HK$164,087
baseline
▲ 0.50% · 4.625%
HK$174,071
+HK$9,984/mo
Deposit HK$33.86M · loan HK$33.86M · min. income ≈ HK$328,174/mo (50% DSR)
Upfront cash ≈ HK$36.73M (deposit + AVD stamp duty HK$2,877,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,774
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$176,380
−HK$4,674/mo
Today · 4.125%
HK$181,054
baseline
▲ 0.50% · 4.625%
HK$190,598
+HK$9,544/mo
Deposit HK$33.86M · loan HK$33.86M · min. income ≈ HK$362,108/mo (50% DSR)
Upfront cash ≈ HK$36.73M (deposit + AVD stamp duty HK$2,877,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,286
−HK$11,619/mo
▼ 0.25% · 3.875%
HK$191,049
−HK$5,856/mo
Today · 4.125%
HK$196,905
baseline
▲ 0.50% · 4.625%
HK$208,886
+HK$11,981/mo
Deposit HK$27.09M · loan HK$40.63M · min. income ≈ HK$393,810/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$2,877,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,128
−HK$11,137/mo
▼ 0.25% · 3.875%
HK$211,657
−HK$5,608/mo
Today · 4.125%
HK$217,265
baseline
▲ 0.50% · 4.625%
HK$228,717
+HK$11,452/mo
Deposit HK$27.09M · loan HK$40.63M · min. income ≈ HK$434,530/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$2,877,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,166
−HK$13,556/mo
▼ 0.25% · 3.875%
HK$222,890
−HK$6,832/mo
Today · 4.125%
HK$229,722
baseline
▲ 0.50% · 4.625%
HK$243,700
+HK$13,978/mo
Deposit HK$20.31M · loan HK$47.40M · min. income ≈ HK$459,444/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,877,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,483
−HK$12,993/mo
▼ 0.25% · 3.875%
HK$246,933
−HK$6,543/mo
Today · 4.125%
HK$253,476
baseline
▲ 0.50% · 4.625%
HK$266,837
+HK$13,361/mo
Deposit HK$20.31M · loan HK$47.40M · min. income ≈ HK$506,952/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,877,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,928
−HK$17,429/mo
▼ 0.25% · 3.875%
HK$286,573
−HK$8,784/mo
Today · 4.125%
HK$295,357
baseline
▲ 0.50% · 4.625%
HK$313,329
+HK$17,972/mo
Deposit HK$6.77M · loan HK$60.94M · min. income ≈ HK$590,714/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,877,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,192
−HK$16,705/mo
▼ 0.25% · 3.875%
HK$317,485
−HK$8,412/mo
Today · 4.125%
HK$325,897
baseline
▲ 0.50% · 4.625%
HK$343,076
+HK$17,179/mo
Deposit HK$6.77M · loan HK$60.94M · min. income ≈ HK$651,794/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,877,833 · Scale 2, in force from 26 Feb 2026)