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$157,815
−HK$9,896/mo
▼ 0.25% · 3.875%
HK$162,724
−HK$4,987/mo
Today · 4.125%
HK$167,711
baseline
▲ 0.50% · 4.625%
HK$177,916
+HK$10,205/mo
Deposit HK$34.60M · loan HK$34.60M · min. income ≈ HK$335,422/mo (50% DSR)
Upfront cash ≈ HK$37.55M (deposit + AVD stamp duty HK$2,941,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,568
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$180,276
−HK$4,777/mo
Today · 4.125%
HK$185,053
baseline
▲ 0.50% · 4.625%
HK$194,807
+HK$9,754/mo
Deposit HK$34.60M · loan HK$34.60M · min. income ≈ HK$370,106/mo (50% DSR)
Upfront cash ≈ HK$37.55M (deposit + AVD stamp duty HK$2,941,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,378
−HK$11,876/mo
▼ 0.25% · 3.875%
HK$195,269
−HK$5,985/mo
Today · 4.125%
HK$201,254
baseline
▲ 0.50% · 4.625%
HK$213,499
+HK$12,245/mo
Deposit HK$27.68M · loan HK$41.53M · min. income ≈ HK$402,508/mo (50% DSR)
Upfront cash ≈ HK$30.63M (deposit + AVD stamp duty HK$2,941,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,681
−HK$11,382/mo
▼ 0.25% · 3.875%
HK$216,331
−HK$5,732/mo
Today · 4.125%
HK$222,063
baseline
▲ 0.50% · 4.625%
HK$233,769
+HK$11,706/mo
Deposit HK$27.68M · loan HK$41.53M · min. income ≈ HK$444,126/mo (50% DSR)
Upfront cash ≈ HK$30.63M (deposit + AVD stamp duty HK$2,941,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,941
−HK$13,855/mo
▼ 0.25% · 3.875%
HK$227,813
−HK$6,983/mo
Today · 4.125%
HK$234,796
baseline
▲ 0.50% · 4.625%
HK$249,083
+HK$14,287/mo
Deposit HK$20.76M · loan HK$48.45M · min. income ≈ HK$469,592/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$2,941,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,795
−HK$13,279/mo
▼ 0.25% · 3.875%
HK$252,387
−HK$6,687/mo
Today · 4.125%
HK$259,074
baseline
▲ 0.50% · 4.625%
HK$272,730
+HK$13,656/mo
Deposit HK$20.76M · loan HK$48.45M · min. income ≈ HK$518,148/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$2,941,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,067
−HK$17,813/mo
▼ 0.25% · 3.875%
HK$292,903
−HK$8,977/mo
Today · 4.125%
HK$301,880
baseline
▲ 0.50% · 4.625%
HK$320,249
+HK$18,369/mo
Deposit HK$6.92M · loan HK$62.29M · min. income ≈ HK$603,760/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$2,941,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,022
−HK$17,073/mo
▼ 0.25% · 3.875%
HK$324,497
−HK$8,598/mo
Today · 4.125%
HK$333,095
baseline
▲ 0.50% · 4.625%
HK$350,653
+HK$17,558/mo
Deposit HK$6.92M · loan HK$62.29M · min. income ≈ HK$666,190/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$2,941,395 · Scale 2, in force from 26 Feb 2026)