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$155,474
−HK$9,749/mo
▼ 0.25% · 3.875%
HK$160,310
−HK$4,913/mo
Today · 4.125%
HK$165,223
baseline
▲ 0.50% · 4.625%
HK$175,277
+HK$10,054/mo
Deposit HK$34.09M · loan HK$34.09M · min. income ≈ HK$330,446/mo (50% DSR)
Upfront cash ≈ HK$36.99M (deposit + AVD stamp duty HK$2,897,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,963
−HK$9,344/mo
▼ 0.25% · 3.875%
HK$177,602
−HK$4,705/mo
Today · 4.125%
HK$182,307
baseline
▲ 0.50% · 4.625%
HK$191,917
+HK$9,610/mo
Deposit HK$34.09M · loan HK$34.09M · min. income ≈ HK$364,614/mo (50% DSR)
Upfront cash ≈ HK$36.99M (deposit + AVD stamp duty HK$2,897,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,568
−HK$11,700/mo
▼ 0.25% · 3.875%
HK$192,372
−HK$5,896/mo
Today · 4.125%
HK$198,268
baseline
▲ 0.50% · 4.625%
HK$210,332
+HK$12,064/mo
Deposit HK$27.27M · loan HK$40.91M · min. income ≈ HK$396,536/mo (50% DSR)
Upfront cash ≈ HK$30.17M (deposit + AVD stamp duty HK$2,897,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,555
−HK$11,214/mo
▼ 0.25% · 3.875%
HK$213,122
−HK$5,647/mo
Today · 4.125%
HK$218,769
baseline
▲ 0.50% · 4.625%
HK$230,300
+HK$11,531/mo
Deposit HK$27.27M · loan HK$40.91M · min. income ≈ HK$437,538/mo (50% DSR)
Upfront cash ≈ HK$30.17M (deposit + AVD stamp duty HK$2,897,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,663
−HK$13,649/mo
▼ 0.25% · 3.875%
HK$224,434
−HK$6,878/mo
Today · 4.125%
HK$231,312
baseline
▲ 0.50% · 4.625%
HK$245,387
+HK$14,075/mo
Deposit HK$20.45M · loan HK$47.73M · min. income ≈ HK$462,624/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$2,897,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,148
−HK$13,082/mo
▼ 0.25% · 3.875%
HK$248,642
−HK$6,588/mo
Today · 4.125%
HK$255,230
baseline
▲ 0.50% · 4.625%
HK$268,684
+HK$13,454/mo
Deposit HK$20.45M · loan HK$47.73M · min. income ≈ HK$510,460/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$2,897,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,852
−HK$17,550/mo
▼ 0.25% · 3.875%
HK$288,557
−HK$8,845/mo
Today · 4.125%
HK$297,402
baseline
▲ 0.50% · 4.625%
HK$315,498
+HK$18,096/mo
Deposit HK$6.82M · loan HK$61.36M · min. income ≈ HK$594,804/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$2,897,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,333
−HK$16,820/mo
▼ 0.25% · 3.875%
HK$319,683
−HK$8,470/mo
Today · 4.125%
HK$328,153
baseline
▲ 0.50% · 4.625%
HK$345,451
+HK$17,298/mo
Deposit HK$6.82M · loan HK$61.36M · min. income ≈ HK$656,306/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$2,897,756 · Scale 2, in force from 26 Feb 2026)