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$154,808
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$159,623
−HK$4,893/mo
Today · 4.125%
HK$164,516
baseline
▲ 0.50% · 4.625%
HK$174,526
+HK$10,010/mo
Deposit HK$33.95M · loan HK$33.95M · min. income ≈ HK$329,032/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$2,885,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,222
−HK$9,305/mo
▼ 0.25% · 3.875%
HK$176,841
−HK$4,686/mo
Today · 4.125%
HK$181,527
baseline
▲ 0.50% · 4.625%
HK$191,096
+HK$9,569/mo
Deposit HK$33.95M · loan HK$33.95M · min. income ≈ HK$363,054/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$2,885,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,770
−HK$11,649/mo
▼ 0.25% · 3.875%
HK$191,548
−HK$5,871/mo
Today · 4.125%
HK$197,419
baseline
▲ 0.50% · 4.625%
HK$209,431
+HK$12,012/mo
Deposit HK$27.16M · loan HK$40.73M · min. income ≈ HK$394,838/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$2,885,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,667
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$212,210
−HK$5,622/mo
Today · 4.125%
HK$217,832
baseline
▲ 0.50% · 4.625%
HK$229,315
+HK$11,483/mo
Deposit HK$27.16M · loan HK$40.73M · min. income ≈ HK$435,664/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$2,885,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,731
−HK$13,591/mo
▼ 0.25% · 3.875%
HK$223,473
−HK$6,849/mo
Today · 4.125%
HK$230,322
baseline
▲ 0.50% · 4.625%
HK$244,337
+HK$14,015/mo
Deposit HK$20.37M · loan HK$47.52M · min. income ≈ HK$460,644/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,885,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,111
−HK$13,027/mo
▼ 0.25% · 3.875%
HK$247,578
−HK$6,560/mo
Today · 4.125%
HK$254,138
baseline
▲ 0.50% · 4.625%
HK$267,534
+HK$13,396/mo
Deposit HK$20.37M · loan HK$47.52M · min. income ≈ HK$508,276/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,885,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,654
−HK$17,474/mo
▼ 0.25% · 3.875%
HK$287,322
−HK$8,806/mo
Today · 4.125%
HK$296,128
baseline
▲ 0.50% · 4.625%
HK$314,147
+HK$18,019/mo
Deposit HK$6.79M · loan HK$61.10M · min. income ≈ HK$592,256/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,885,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,000
−HK$16,749/mo
▼ 0.25% · 3.875%
HK$318,314
−HK$8,435/mo
Today · 4.125%
HK$326,749
baseline
▲ 0.50% · 4.625%
HK$343,972
+HK$17,223/mo
Deposit HK$6.79M · loan HK$61.10M · min. income ≈ HK$653,498/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,885,351 · Scale 2, in force from 26 Feb 2026)