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$157,226
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$162,117
−HK$4,969/mo
Today · 4.125%
HK$167,086
baseline
▲ 0.50% · 4.625%
HK$177,252
+HK$10,166/mo
Deposit HK$34.48M · loan HK$34.48M · min. income ≈ HK$334,172/mo (50% DSR)
Upfront cash ≈ HK$37.41M (deposit + AVD stamp duty HK$2,930,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,913
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$179,604
−HK$4,759/mo
Today · 4.125%
HK$184,363
baseline
▲ 0.50% · 4.625%
HK$194,081
+HK$9,718/mo
Deposit HK$34.48M · loan HK$34.48M · min. income ≈ HK$368,726/mo (50% DSR)
Upfront cash ≈ HK$37.41M (deposit + AVD stamp duty HK$2,930,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,671
−HK$11,832/mo
▼ 0.25% · 3.875%
HK$194,540
−HK$5,963/mo
Today · 4.125%
HK$200,503
baseline
▲ 0.50% · 4.625%
HK$212,703
+HK$12,200/mo
Deposit HK$27.58M · loan HK$41.37M · min. income ≈ HK$401,006/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$2,930,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,895
−HK$11,340/mo
▼ 0.25% · 3.875%
HK$215,524
−HK$5,711/mo
Today · 4.125%
HK$221,235
baseline
▲ 0.50% · 4.625%
HK$232,897
+HK$11,662/mo
Deposit HK$27.58M · loan HK$41.37M · min. income ≈ HK$442,470/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$2,930,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,117
−HK$13,803/mo
▼ 0.25% · 3.875%
HK$226,964
−HK$6,956/mo
Today · 4.125%
HK$233,920
baseline
▲ 0.50% · 4.625%
HK$248,153
+HK$14,233/mo
Deposit HK$20.69M · loan HK$48.27M · min. income ≈ HK$467,840/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$2,930,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,878
−HK$13,230/mo
▼ 0.25% · 3.875%
HK$251,445
−HK$6,663/mo
Today · 4.125%
HK$258,108
baseline
▲ 0.50% · 4.625%
HK$271,713
+HK$13,605/mo
Deposit HK$20.69M · loan HK$48.27M · min. income ≈ HK$516,216/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$2,930,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,007
−HK$17,747/mo
▼ 0.25% · 3.875%
HK$291,810
−HK$8,944/mo
Today · 4.125%
HK$300,754
baseline
▲ 0.50% · 4.625%
HK$319,054
+HK$18,300/mo
Deposit HK$6.90M · loan HK$62.06M · min. income ≈ HK$601,508/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,930,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,843
−HK$17,010/mo
▼ 0.25% · 3.875%
HK$323,287
−HK$8,566/mo
Today · 4.125%
HK$331,853
baseline
▲ 0.50% · 4.625%
HK$349,345
+HK$17,492/mo
Deposit HK$6.90M · loan HK$62.06M · min. income ≈ HK$663,706/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,930,422 · Scale 2, in force from 26 Feb 2026)