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$152,326
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$157,065
−HK$4,814/mo
Today · 4.125%
HK$161,879
baseline
▲ 0.50% · 4.625%
HK$171,728
+HK$9,849/mo
Deposit HK$33.40M · loan HK$33.40M · min. income ≈ HK$323,758/mo (50% DSR)
Upfront cash ≈ HK$36.24M (deposit + AVD stamp duty HK$2,839,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,461
−HK$9,156/mo
▼ 0.25% · 3.875%
HK$174,006
−HK$4,611/mo
Today · 4.125%
HK$178,617
baseline
▲ 0.50% · 4.625%
HK$188,032
+HK$9,415/mo
Deposit HK$33.40M · loan HK$33.40M · min. income ≈ HK$357,234/mo (50% DSR)
Upfront cash ≈ HK$36.24M (deposit + AVD stamp duty HK$2,839,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,792
−HK$11,462/mo
▼ 0.25% · 3.875%
HK$188,477
−HK$5,777/mo
Today · 4.125%
HK$194,254
baseline
▲ 0.50% · 4.625%
HK$206,074
+HK$11,820/mo
Deposit HK$26.72M · loan HK$40.08M · min. income ≈ HK$388,508/mo (50% DSR)
Upfront cash ≈ HK$29.56M (deposit + AVD stamp duty HK$2,839,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,354
−HK$10,986/mo
▼ 0.25% · 3.875%
HK$208,808
−HK$5,532/mo
Today · 4.125%
HK$214,340
baseline
▲ 0.50% · 4.625%
HK$225,639
+HK$11,299/mo
Deposit HK$26.72M · loan HK$40.08M · min. income ≈ HK$428,680/mo (50% DSR)
Upfront cash ≈ HK$29.56M (deposit + AVD stamp duty HK$2,839,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,257
−HK$13,373/mo
▼ 0.25% · 3.875%
HK$219,890
−HK$6,740/mo
Today · 4.125%
HK$226,630
baseline
▲ 0.50% · 4.625%
HK$240,420
+HK$13,790/mo
Deposit HK$20.04M · loan HK$46.76M · min. income ≈ HK$453,260/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,839,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,246
−HK$12,818/mo
▼ 0.25% · 3.875%
HK$243,609
−HK$6,455/mo
Today · 4.125%
HK$250,064
baseline
▲ 0.50% · 4.625%
HK$263,245
+HK$13,181/mo
Deposit HK$20.04M · loan HK$46.76M · min. income ≈ HK$500,128/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$2,839,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,187
−HK$17,194/mo
▼ 0.25% · 3.875%
HK$282,716
−HK$8,665/mo
Today · 4.125%
HK$291,381
baseline
▲ 0.50% · 4.625%
HK$309,111
+HK$17,730/mo
Deposit HK$6.68M · loan HK$60.12M · min. income ≈ HK$582,762/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$2,839,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,031
−HK$16,480/mo
▼ 0.25% · 3.875%
HK$313,211
−HK$8,300/mo
Today · 4.125%
HK$321,511
baseline
▲ 0.50% · 4.625%
HK$338,458
+HK$16,947/mo
Deposit HK$6.68M · loan HK$60.12M · min. income ≈ HK$643,022/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$2,839,097 · Scale 2, in force from 26 Feb 2026)