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$152,881
−HK$9,587/mo
▼ 0.25% · 3.875%
HK$157,637
−HK$4,831/mo
Today · 4.125%
HK$162,468
baseline
▲ 0.50% · 4.625%
HK$172,354
+HK$9,886/mo
Deposit HK$33.52M · loan HK$33.52M · min. income ≈ HK$324,936/mo (50% DSR)
Upfront cash ≈ HK$36.37M (deposit + AVD stamp duty HK$2,849,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,079
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$174,640
−HK$4,627/mo
Today · 4.125%
HK$179,267
baseline
▲ 0.50% · 4.625%
HK$188,717
+HK$9,450/mo
Deposit HK$33.52M · loan HK$33.52M · min. income ≈ HK$358,534/mo (50% DSR)
Upfront cash ≈ HK$36.37M (deposit + AVD stamp duty HK$2,849,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,457
−HK$11,505/mo
▼ 0.25% · 3.875%
HK$189,164
−HK$5,798/mo
Today · 4.125%
HK$194,962
baseline
▲ 0.50% · 4.625%
HK$206,825
+HK$11,863/mo
Deposit HK$26.82M · loan HK$40.23M · min. income ≈ HK$389,924/mo (50% DSR)
Upfront cash ≈ HK$29.67M (deposit + AVD stamp duty HK$2,849,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,094
−HK$11,027/mo
▼ 0.25% · 3.875%
HK$209,568
−HK$5,553/mo
Today · 4.125%
HK$215,121
baseline
▲ 0.50% · 4.625%
HK$226,460
+HK$11,339/mo
Deposit HK$26.82M · loan HK$40.23M · min. income ≈ HK$430,242/mo (50% DSR)
Upfront cash ≈ HK$29.67M (deposit + AVD stamp duty HK$2,849,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,034
−HK$13,421/mo
▼ 0.25% · 3.875%
HK$220,691
−HK$6,764/mo
Today · 4.125%
HK$227,455
baseline
▲ 0.50% · 4.625%
HK$241,295
+HK$13,840/mo
Deposit HK$20.11M · loan HK$46.93M · min. income ≈ HK$454,910/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,849,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,110
−HK$12,864/mo
▼ 0.25% · 3.875%
HK$244,496
−HK$6,478/mo
Today · 4.125%
HK$250,974
baseline
▲ 0.50% · 4.625%
HK$264,204
+HK$13,230/mo
Deposit HK$20.11M · loan HK$46.93M · min. income ≈ HK$501,948/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,849,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,186
−HK$17,257/mo
▼ 0.25% · 3.875%
HK$283,746
−HK$8,697/mo
Today · 4.125%
HK$292,443
baseline
▲ 0.50% · 4.625%
HK$310,237
+HK$17,794/mo
Deposit HK$6.70M · loan HK$60.34M · min. income ≈ HK$584,886/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,849,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,142
−HK$16,539/mo
▼ 0.25% · 3.875%
HK$314,352
−HK$8,329/mo
Today · 4.125%
HK$322,681
baseline
▲ 0.50% · 4.625%
HK$339,690
+HK$17,009/mo
Deposit HK$6.70M · loan HK$60.34M · min. income ≈ HK$645,362/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,849,437 · Scale 2, in force from 26 Feb 2026)