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$159,078
−HK$9,976/mo
▼ 0.25% · 3.875%
HK$164,027
−HK$5,027/mo
Today · 4.125%
HK$169,054
baseline
▲ 0.50% · 4.625%
HK$179,341
+HK$10,287/mo
Deposit HK$34.88M · loan HK$34.88M · min. income ≈ HK$338,108/mo (50% DSR)
Upfront cash ≈ HK$37.85M (deposit + AVD stamp duty HK$2,964,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,973
−HK$9,561/mo
▼ 0.25% · 3.875%
HK$181,719
−HK$4,815/mo
Today · 4.125%
HK$186,534
baseline
▲ 0.50% · 4.625%
HK$196,367
+HK$9,833/mo
Deposit HK$34.88M · loan HK$34.88M · min. income ≈ HK$373,068/mo (50% DSR)
Upfront cash ≈ HK$37.85M (deposit + AVD stamp duty HK$2,964,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,894
−HK$11,971/mo
▼ 0.25% · 3.875%
HK$196,832
−HK$6,033/mo
Today · 4.125%
HK$202,865
baseline
▲ 0.50% · 4.625%
HK$215,209
+HK$12,344/mo
Deposit HK$27.91M · loan HK$41.86M · min. income ≈ HK$405,730/mo (50% DSR)
Upfront cash ≈ HK$30.87M (deposit + AVD stamp duty HK$2,964,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,368
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$218,063
−HK$5,778/mo
Today · 4.125%
HK$223,841
baseline
▲ 0.50% · 4.625%
HK$235,640
+HK$11,799/mo
Deposit HK$27.91M · loan HK$41.86M · min. income ≈ HK$447,682/mo (50% DSR)
Upfront cash ≈ HK$30.87M (deposit + AVD stamp duty HK$2,964,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,710
−HK$13,966/mo
▼ 0.25% · 3.875%
HK$229,637
−HK$7,039/mo
Today · 4.125%
HK$236,676
baseline
▲ 0.50% · 4.625%
HK$251,077
+HK$14,401/mo
Deposit HK$20.93M · loan HK$48.83M · min. income ≈ HK$473,352/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,762
−HK$13,386/mo
▼ 0.25% · 3.875%
HK$254,407
−HK$6,741/mo
Today · 4.125%
HK$261,148
baseline
▲ 0.50% · 4.625%
HK$274,914
+HK$13,766/mo
Deposit HK$20.93M · loan HK$48.83M · min. income ≈ HK$522,296/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,341
−HK$17,956/mo
▼ 0.25% · 3.875%
HK$295,248
−HK$9,049/mo
Today · 4.125%
HK$304,297
baseline
▲ 0.50% · 4.625%
HK$322,813
+HK$18,516/mo
Deposit HK$6.98M · loan HK$62.79M · min. income ≈ HK$608,594/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,552
−HK$17,210/mo
▼ 0.25% · 3.875%
HK$327,095
−HK$8,667/mo
Today · 4.125%
HK$335,762
baseline
▲ 0.50% · 4.625%
HK$353,460
+HK$17,698/mo
Deposit HK$6.98M · loan HK$62.79M · min. income ≈ HK$671,524/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,944 · Scale 2, in force from 26 Feb 2026)