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$153,795
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$158,579
−HK$4,861/mo
Today · 4.125%
HK$163,440
baseline
▲ 0.50% · 4.625%
HK$173,384
+HK$9,944/mo
Deposit HK$33.72M · loan HK$33.72M · min. income ≈ HK$326,880/mo (50% DSR)
Upfront cash ≈ HK$36.59M (deposit + AVD stamp duty HK$2,866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,096
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$175,684
−HK$4,655/mo
Today · 4.125%
HK$180,339
baseline
▲ 0.50% · 4.625%
HK$189,845
+HK$9,506/mo
Deposit HK$33.72M · loan HK$33.72M · min. income ≈ HK$360,678/mo (50% DSR)
Upfront cash ≈ HK$36.59M (deposit + AVD stamp duty HK$2,866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,554
−HK$11,573/mo
▼ 0.25% · 3.875%
HK$190,295
−HK$5,832/mo
Today · 4.125%
HK$196,127
baseline
▲ 0.50% · 4.625%
HK$208,061
+HK$11,934/mo
Deposit HK$26.98M · loan HK$40.47M · min. income ≈ HK$392,254/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$2,866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,315
−HK$11,092/mo
▼ 0.25% · 3.875%
HK$210,821
−HK$5,586/mo
Today · 4.125%
HK$216,407
baseline
▲ 0.50% · 4.625%
HK$227,814
+HK$11,407/mo
Deposit HK$26.98M · loan HK$40.47M · min. income ≈ HK$432,814/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$2,866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,313
−HK$13,502/mo
▼ 0.25% · 3.875%
HK$222,011
−HK$6,804/mo
Today · 4.125%
HK$228,815
baseline
▲ 0.50% · 4.625%
HK$242,738
+HK$13,923/mo
Deposit HK$20.23M · loan HK$47.21M · min. income ≈ HK$457,630/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,534
−HK$12,941/mo
▼ 0.25% · 3.875%
HK$245,958
−HK$6,517/mo
Today · 4.125%
HK$252,475
baseline
▲ 0.50% · 4.625%
HK$265,783
+HK$13,308/mo
Deposit HK$20.23M · loan HK$47.21M · min. income ≈ HK$504,950/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,831
−HK$17,360/mo
▼ 0.25% · 3.875%
HK$285,442
−HK$8,749/mo
Today · 4.125%
HK$294,191
baseline
▲ 0.50% · 4.625%
HK$312,092
+HK$17,901/mo
Deposit HK$6.74M · loan HK$60.70M · min. income ≈ HK$588,382/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$2,866,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,972
−HK$16,639/mo
▼ 0.25% · 3.875%
HK$316,232
−HK$8,379/mo
Today · 4.125%
HK$324,611
baseline
▲ 0.50% · 4.625%
HK$341,722
+HK$17,111/mo
Deposit HK$6.74M · loan HK$60.70M · min. income ≈ HK$649,222/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$2,866,475 · Scale 2, in force from 26 Feb 2026)