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$157,746
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$162,653
−HK$4,985/mo
Today · 4.125%
HK$167,638
baseline
▲ 0.50% · 4.625%
HK$177,839
+HK$10,201/mo
Deposit HK$34.59M · loan HK$34.59M · min. income ≈ HK$335,276/mo (50% DSR)
Upfront cash ≈ HK$37.53M (deposit + AVD stamp duty HK$2,940,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,491
−HK$9,481/mo
▼ 0.25% · 3.875%
HK$180,197
−HK$4,775/mo
Today · 4.125%
HK$184,972
baseline
▲ 0.50% · 4.625%
HK$194,722
+HK$9,750/mo
Deposit HK$34.59M · loan HK$34.59M · min. income ≈ HK$369,944/mo (50% DSR)
Upfront cash ≈ HK$37.53M (deposit + AVD stamp duty HK$2,940,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,295
−HK$11,871/mo
▼ 0.25% · 3.875%
HK$195,183
−HK$5,983/mo
Today · 4.125%
HK$201,166
baseline
▲ 0.50% · 4.625%
HK$213,406
+HK$12,240/mo
Deposit HK$27.67M · loan HK$41.51M · min. income ≈ HK$402,332/mo (50% DSR)
Upfront cash ≈ HK$30.61M (deposit + AVD stamp duty HK$2,940,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,589
−HK$11,378/mo
▼ 0.25% · 3.875%
HK$216,237
−HK$5,730/mo
Today · 4.125%
HK$221,967
baseline
▲ 0.50% · 4.625%
HK$233,667
+HK$11,700/mo
Deposit HK$27.67M · loan HK$41.51M · min. income ≈ HK$443,934/mo (50% DSR)
Upfront cash ≈ HK$30.61M (deposit + AVD stamp duty HK$2,940,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,844
−HK$13,849/mo
▼ 0.25% · 3.875%
HK$227,714
−HK$6,979/mo
Today · 4.125%
HK$234,693
baseline
▲ 0.50% · 4.625%
HK$248,974
+HK$14,281/mo
Deposit HK$20.75M · loan HK$48.43M · min. income ≈ HK$469,386/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$2,940,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,687
−HK$13,274/mo
▼ 0.25% · 3.875%
HK$252,276
−HK$6,685/mo
Today · 4.125%
HK$258,961
baseline
▲ 0.50% · 4.625%
HK$272,611
+HK$13,650/mo
Deposit HK$20.75M · loan HK$48.43M · min. income ≈ HK$517,922/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$2,940,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,943
−HK$17,806/mo
▼ 0.25% · 3.875%
HK$292,775
−HK$8,974/mo
Today · 4.125%
HK$301,749
baseline
▲ 0.50% · 4.625%
HK$320,109
+HK$18,360/mo
Deposit HK$6.92M · loan HK$62.26M · min. income ≈ HK$603,498/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$2,940,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,884
−HK$17,066/mo
▼ 0.25% · 3.875%
HK$324,355
−HK$8,595/mo
Today · 4.125%
HK$332,950
baseline
▲ 0.50% · 4.625%
HK$350,500
+HK$17,550/mo
Deposit HK$6.92M · loan HK$62.26M · min. income ≈ HK$665,900/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$2,940,112 · Scale 2, in force from 26 Feb 2026)