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$151,268
−HK$9,486/mo
▼ 0.25% · 3.875%
HK$155,973
−HK$4,781/mo
Today · 4.125%
HK$160,754
baseline
▲ 0.50% · 4.625%
HK$170,535
+HK$9,781/mo
Deposit HK$33.17M · loan HK$33.17M · min. income ≈ HK$321,508/mo (50% DSR)
Upfront cash ≈ HK$35.99M (deposit + AVD stamp duty HK$2,819,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,284
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$172,797
−HK$4,579/mo
Today · 4.125%
HK$177,376
baseline
▲ 0.50% · 4.625%
HK$186,725
+HK$9,349/mo
Deposit HK$33.17M · loan HK$33.17M · min. income ≈ HK$354,752/mo (50% DSR)
Upfront cash ≈ HK$35.99M (deposit + AVD stamp duty HK$2,819,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,521
−HK$11,383/mo
▼ 0.25% · 3.875%
HK$187,168
−HK$5,736/mo
Today · 4.125%
HK$192,904
baseline
▲ 0.50% · 4.625%
HK$204,642
+HK$11,738/mo
Deposit HK$26.54M · loan HK$39.80M · min. income ≈ HK$385,808/mo (50% DSR)
Upfront cash ≈ HK$29.35M (deposit + AVD stamp duty HK$2,819,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,941
−HK$10,910/mo
▼ 0.25% · 3.875%
HK$207,357
−HK$5,494/mo
Today · 4.125%
HK$212,851
baseline
▲ 0.50% · 4.625%
HK$224,071
+HK$11,220/mo
Deposit HK$26.54M · loan HK$39.80M · min. income ≈ HK$425,702/mo (50% DSR)
Upfront cash ≈ HK$29.35M (deposit + AVD stamp duty HK$2,819,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,775
−HK$13,280/mo
▼ 0.25% · 3.875%
HK$218,362
−HK$6,693/mo
Today · 4.125%
HK$225,055
baseline
▲ 0.50% · 4.625%
HK$238,749
+HK$13,694/mo
Deposit HK$19.90M · loan HK$46.44M · min. income ≈ HK$450,110/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$2,819,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,597
−HK$12,729/mo
▼ 0.25% · 3.875%
HK$241,916
−HK$6,410/mo
Today · 4.125%
HK$248,326
baseline
▲ 0.50% · 4.625%
HK$261,416
+HK$13,090/mo
Deposit HK$19.90M · loan HK$46.44M · min. income ≈ HK$496,652/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$2,819,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,282
−HK$17,075/mo
▼ 0.25% · 3.875%
HK$280,752
−HK$8,605/mo
Today · 4.125%
HK$289,357
baseline
▲ 0.50% · 4.625%
HK$306,963
+HK$17,606/mo
Deposit HK$6.63M · loan HK$59.70M · min. income ≈ HK$578,714/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$2,819,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,911
−HK$16,365/mo
▼ 0.25% · 3.875%
HK$311,035
−HK$8,241/mo
Today · 4.125%
HK$319,276
baseline
▲ 0.50% · 4.625%
HK$336,106
+HK$16,830/mo
Deposit HK$6.63M · loan HK$59.70M · min. income ≈ HK$638,552/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$2,819,368 · Scale 2, in force from 26 Feb 2026)