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$154,268
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$159,067
−HK$4,875/mo
Today · 4.125%
HK$163,942
baseline
▲ 0.50% · 4.625%
HK$173,917
+HK$9,975/mo
Deposit HK$33.83M · loan HK$33.83M · min. income ≈ HK$327,884/mo (50% DSR)
Upfront cash ≈ HK$36.70M (deposit + AVD stamp duty HK$2,875,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,622
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$176,224
−HK$4,670/mo
Today · 4.125%
HK$180,894
baseline
▲ 0.50% · 4.625%
HK$190,429
+HK$9,535/mo
Deposit HK$33.83M · loan HK$33.83M · min. income ≈ HK$361,788/mo (50% DSR)
Upfront cash ≈ HK$36.70M (deposit + AVD stamp duty HK$2,875,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,122
−HK$11,608/mo
▼ 0.25% · 3.875%
HK$190,880
−HK$5,850/mo
Today · 4.125%
HK$196,730
baseline
▲ 0.50% · 4.625%
HK$208,701
+HK$11,971/mo
Deposit HK$27.06M · loan HK$40.59M · min. income ≈ HK$393,460/mo (50% DSR)
Upfront cash ≈ HK$29.94M (deposit + AVD stamp duty HK$2,875,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,946
−HK$11,127/mo
▼ 0.25% · 3.875%
HK$211,469
−HK$5,604/mo
Today · 4.125%
HK$217,073
baseline
▲ 0.50% · 4.625%
HK$228,515
+HK$11,442/mo
Deposit HK$27.06M · loan HK$40.59M · min. income ≈ HK$434,146/mo (50% DSR)
Upfront cash ≈ HK$29.94M (deposit + AVD stamp duty HK$2,875,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,975
−HK$13,544/mo
▼ 0.25% · 3.875%
HK$222,693
−HK$6,826/mo
Today · 4.125%
HK$229,519
baseline
▲ 0.50% · 4.625%
HK$243,484
+HK$13,965/mo
Deposit HK$20.30M · loan HK$47.36M · min. income ≈ HK$459,038/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,875,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,270
−HK$12,981/mo
▼ 0.25% · 3.875%
HK$246,714
−HK$6,537/mo
Today · 4.125%
HK$253,251
baseline
▲ 0.50% · 4.625%
HK$266,600
+HK$13,349/mo
Deposit HK$20.30M · loan HK$47.36M · min. income ≈ HK$506,502/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,875,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,682
−HK$17,413/mo
▼ 0.25% · 3.875%
HK$286,320
−HK$8,775/mo
Today · 4.125%
HK$295,095
baseline
▲ 0.50% · 4.625%
HK$313,051
+HK$17,956/mo
Deposit HK$6.77M · loan HK$60.89M · min. income ≈ HK$590,190/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,875,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,919
−HK$16,690/mo
▼ 0.25% · 3.875%
HK$317,204
−HK$8,405/mo
Today · 4.125%
HK$325,609
baseline
▲ 0.50% · 4.625%
HK$342,772
+HK$17,163/mo
Deposit HK$6.77M · loan HK$60.89M · min. income ≈ HK$651,218/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,875,286 · Scale 2, in force from 26 Feb 2026)