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$149,017
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$153,653
−HK$4,709/mo
Today · 4.125%
HK$158,362
baseline
▲ 0.50% · 4.625%
HK$167,998
+HK$9,636/mo
Deposit HK$32.68M · loan HK$32.68M · min. income ≈ HK$316,724/mo (50% DSR)
Upfront cash ≈ HK$35.45M (deposit + AVD stamp duty HK$2,777,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,780
−HK$8,957/mo
▼ 0.25% · 3.875%
HK$170,227
−HK$4,510/mo
Today · 4.125%
HK$174,737
baseline
▲ 0.50% · 4.625%
HK$183,948
+HK$9,211/mo
Deposit HK$32.68M · loan HK$32.68M · min. income ≈ HK$349,474/mo (50% DSR)
Upfront cash ≈ HK$35.45M (deposit + AVD stamp duty HK$2,777,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,821
−HK$11,214/mo
▼ 0.25% · 3.875%
HK$184,383
−HK$5,652/mo
Today · 4.125%
HK$190,035
baseline
▲ 0.50% · 4.625%
HK$201,598
+HK$11,563/mo
Deposit HK$26.14M · loan HK$39.21M · min. income ≈ HK$380,070/mo (50% DSR)
Upfront cash ≈ HK$28.92M (deposit + AVD stamp duty HK$2,777,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,936
−HK$10,748/mo
▼ 0.25% · 3.875%
HK$204,272
−HK$5,412/mo
Today · 4.125%
HK$209,684
baseline
▲ 0.50% · 4.625%
HK$220,737
+HK$11,053/mo
Deposit HK$26.14M · loan HK$39.21M · min. income ≈ HK$419,368/mo (50% DSR)
Upfront cash ≈ HK$28.92M (deposit + AVD stamp duty HK$2,777,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,624
−HK$13,083/mo
▼ 0.25% · 3.875%
HK$215,114
−HK$6,593/mo
Today · 4.125%
HK$221,707
baseline
▲ 0.50% · 4.625%
HK$235,197
+HK$13,490/mo
Deposit HK$19.61M · loan HK$45.75M · min. income ≈ HK$443,414/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$2,777,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,093
−HK$12,539/mo
▼ 0.25% · 3.875%
HK$238,317
−HK$6,315/mo
Today · 4.125%
HK$244,632
baseline
▲ 0.50% · 4.625%
HK$257,527
+HK$12,895/mo
Deposit HK$19.61M · loan HK$45.75M · min. income ≈ HK$489,264/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$2,777,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,231
−HK$16,821/mo
▼ 0.25% · 3.875%
HK$276,575
−HK$8,477/mo
Today · 4.125%
HK$285,052
baseline
▲ 0.50% · 4.625%
HK$302,397
+HK$17,345/mo
Deposit HK$6.54M · loan HK$58.82M · min. income ≈ HK$570,104/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$2,777,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,405
−HK$16,122/mo
▼ 0.25% · 3.875%
HK$306,408
−HK$8,119/mo
Today · 4.125%
HK$314,527
baseline
▲ 0.50% · 4.625%
HK$331,106
+HK$16,579/mo
Deposit HK$6.54M · loan HK$58.82M · min. income ≈ HK$629,054/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$2,777,425 · Scale 2, in force from 26 Feb 2026)