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$155,981
−HK$9,782/mo
▼ 0.25% · 3.875%
HK$160,833
−HK$4,930/mo
Today · 4.125%
HK$165,763
baseline
▲ 0.50% · 4.625%
HK$175,849
+HK$10,086/mo
Deposit HK$34.20M · loan HK$34.20M · min. income ≈ HK$331,526/mo (50% DSR)
Upfront cash ≈ HK$37.11M (deposit + AVD stamp duty HK$2,907,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,528
−HK$9,375/mo
▼ 0.25% · 3.875%
HK$178,182
−HK$4,721/mo
Today · 4.125%
HK$182,903
baseline
▲ 0.50% · 4.625%
HK$192,544
+HK$9,641/mo
Deposit HK$34.20M · loan HK$34.20M · min. income ≈ HK$365,806/mo (50% DSR)
Upfront cash ≈ HK$37.11M (deposit + AVD stamp duty HK$2,907,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,178
−HK$11,737/mo
▼ 0.25% · 3.875%
HK$193,000
−HK$5,915/mo
Today · 4.125%
HK$198,915
baseline
▲ 0.50% · 4.625%
HK$211,019
+HK$12,104/mo
Deposit HK$27.36M · loan HK$41.04M · min. income ≈ HK$397,830/mo (50% DSR)
Upfront cash ≈ HK$30.27M (deposit + AVD stamp duty HK$2,907,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,233
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$213,818
−HK$5,665/mo
Today · 4.125%
HK$219,483
baseline
▲ 0.50% · 4.625%
HK$231,053
+HK$11,570/mo
Deposit HK$27.36M · loan HK$41.04M · min. income ≈ HK$438,966/mo (50% DSR)
Upfront cash ≈ HK$30.27M (deposit + AVD stamp duty HK$2,907,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,374
−HK$13,694/mo
▼ 0.25% · 3.875%
HK$225,167
−HK$6,901/mo
Today · 4.125%
HK$232,068
baseline
▲ 0.50% · 4.625%
HK$246,189
+HK$14,121/mo
Deposit HK$20.52M · loan HK$47.88M · min. income ≈ HK$464,136/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,907,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,939
−HK$13,125/mo
▼ 0.25% · 3.875%
HK$249,454
−HK$6,610/mo
Today · 4.125%
HK$256,064
baseline
▲ 0.50% · 4.625%
HK$269,561
+HK$13,497/mo
Deposit HK$20.52M · loan HK$47.88M · min. income ≈ HK$512,128/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,907,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,766
−HK$17,607/mo
▼ 0.25% · 3.875%
HK$289,500
−HK$8,873/mo
Today · 4.125%
HK$298,373
baseline
▲ 0.50% · 4.625%
HK$316,528
+HK$18,155/mo
Deposit HK$6.84M · loan HK$61.56M · min. income ≈ HK$596,746/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$2,907,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,350
−HK$16,875/mo
▼ 0.25% · 3.875%
HK$320,727
−HK$8,498/mo
Today · 4.125%
HK$329,225
baseline
▲ 0.50% · 4.625%
HK$346,579
+HK$17,354/mo
Deposit HK$6.84M · loan HK$61.56M · min. income ≈ HK$658,450/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$2,907,220 · Scale 2, in force from 26 Feb 2026)