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$151,860
−HK$9,523/mo
▼ 0.25% · 3.875%
HK$156,584
−HK$4,799/mo
Today · 4.125%
HK$161,383
baseline
▲ 0.50% · 4.625%
HK$171,203
+HK$9,820/mo
Deposit HK$33.30M · loan HK$33.30M · min. income ≈ HK$322,766/mo (50% DSR)
Upfront cash ≈ HK$36.13M (deposit + AVD stamp duty HK$2,830,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,943
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$173,474
−HK$4,597/mo
Today · 4.125%
HK$178,071
baseline
▲ 0.50% · 4.625%
HK$187,457
+HK$9,386/mo
Deposit HK$33.30M · loan HK$33.30M · min. income ≈ HK$356,142/mo (50% DSR)
Upfront cash ≈ HK$36.13M (deposit + AVD stamp duty HK$2,830,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,232
−HK$11,428/mo
▼ 0.25% · 3.875%
HK$187,901
−HK$5,759/mo
Today · 4.125%
HK$193,660
baseline
▲ 0.50% · 4.625%
HK$205,444
+HK$11,784/mo
Deposit HK$26.64M · loan HK$39.96M · min. income ≈ HK$387,320/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,830,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,732
−HK$10,953/mo
▼ 0.25% · 3.875%
HK$208,169
−HK$5,516/mo
Today · 4.125%
HK$213,685
baseline
▲ 0.50% · 4.625%
HK$224,948
+HK$11,263/mo
Deposit HK$26.64M · loan HK$39.96M · min. income ≈ HK$427,370/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,830,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,604
−HK$13,333/mo
▼ 0.25% · 3.875%
HK$219,218
−HK$6,719/mo
Today · 4.125%
HK$225,937
baseline
▲ 0.50% · 4.625%
HK$239,684
+HK$13,747/mo
Deposit HK$19.98M · loan HK$46.62M · min. income ≈ HK$451,874/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,830,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,520
−HK$12,779/mo
▼ 0.25% · 3.875%
HK$242,864
−HK$6,435/mo
Today · 4.125%
HK$249,299
baseline
▲ 0.50% · 4.625%
HK$262,440
+HK$13,141/mo
Deposit HK$19.98M · loan HK$46.62M · min. income ≈ HK$498,598/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,830,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,349
−HK$17,141/mo
▼ 0.25% · 3.875%
HK$281,851
−HK$8,639/mo
Today · 4.125%
HK$290,490
baseline
▲ 0.50% · 4.625%
HK$308,165
+HK$17,675/mo
Deposit HK$6.66M · loan HK$59.94M · min. income ≈ HK$580,980/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$2,830,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,097
−HK$16,430/mo
▼ 0.25% · 3.875%
HK$312,253
−HK$8,274/mo
Today · 4.125%
HK$320,527
baseline
▲ 0.50% · 4.625%
HK$337,422
+HK$16,895/mo
Deposit HK$6.66M · loan HK$59.94M · min. income ≈ HK$641,054/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$2,830,411 · Scale 2, in force from 26 Feb 2026)