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$156,183
−HK$9,794/mo
▼ 0.25% · 3.875%
HK$161,041
−HK$4,936/mo
Today · 4.125%
HK$165,977
baseline
▲ 0.50% · 4.625%
HK$176,076
+HK$10,099/mo
Deposit HK$34.25M · loan HK$34.25M · min. income ≈ HK$331,954/mo (50% DSR)
Upfront cash ≈ HK$37.16M (deposit + AVD stamp duty HK$2,910,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,752
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$178,412
−HK$4,727/mo
Today · 4.125%
HK$183,139
baseline
▲ 0.50% · 4.625%
HK$192,792
+HK$9,653/mo
Deposit HK$34.25M · loan HK$34.25M · min. income ≈ HK$366,278/mo (50% DSR)
Upfront cash ≈ HK$37.16M (deposit + AVD stamp duty HK$2,910,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,419
−HK$11,753/mo
▼ 0.25% · 3.875%
HK$193,249
−HK$5,923/mo
Today · 4.125%
HK$199,172
baseline
▲ 0.50% · 4.625%
HK$211,291
+HK$12,119/mo
Deposit HK$27.40M · loan HK$41.10M · min. income ≈ HK$398,344/mo (50% DSR)
Upfront cash ≈ HK$30.31M (deposit + AVD stamp duty HK$2,910,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,502
−HK$11,265/mo
▼ 0.25% · 3.875%
HK$214,094
−HK$5,673/mo
Today · 4.125%
HK$219,767
baseline
▲ 0.50% · 4.625%
HK$231,351
+HK$11,584/mo
Deposit HK$27.40M · loan HK$41.10M · min. income ≈ HK$439,534/mo (50% DSR)
Upfront cash ≈ HK$30.31M (deposit + AVD stamp duty HK$2,910,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,656
−HK$13,711/mo
▼ 0.25% · 3.875%
HK$225,457
−HK$6,910/mo
Today · 4.125%
HK$232,367
baseline
▲ 0.50% · 4.625%
HK$246,506
+HK$14,139/mo
Deposit HK$20.55M · loan HK$47.95M · min. income ≈ HK$464,734/mo (50% DSR)
Upfront cash ≈ HK$23.46M (deposit + AVD stamp duty HK$2,910,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,252
−HK$13,142/mo
▼ 0.25% · 3.875%
HK$249,776
−HK$6,618/mo
Today · 4.125%
HK$256,394
baseline
▲ 0.50% · 4.625%
HK$269,909
+HK$13,515/mo
Deposit HK$20.55M · loan HK$47.95M · min. income ≈ HK$512,788/mo (50% DSR)
Upfront cash ≈ HK$23.46M (deposit + AVD stamp duty HK$2,910,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,129
−HK$17,629/mo
▼ 0.25% · 3.875%
HK$289,873
−HK$8,885/mo
Today · 4.125%
HK$298,758
baseline
▲ 0.50% · 4.625%
HK$316,937
+HK$18,179/mo
Deposit HK$6.85M · loan HK$61.64M · min. income ≈ HK$597,516/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,910,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,753
−HK$16,897/mo
▼ 0.25% · 3.875%
HK$321,141
−HK$8,509/mo
Today · 4.125%
HK$329,650
baseline
▲ 0.50% · 4.625%
HK$347,026
+HK$17,376/mo
Deposit HK$6.85M · loan HK$61.64M · min. income ≈ HK$659,300/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,910,972 · Scale 2, in force from 26 Feb 2026)