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$159,302
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$164,257
−HK$5,034/mo
Today · 4.125%
HK$169,291
baseline
▲ 0.50% · 4.625%
HK$179,592
+HK$10,301/mo
Deposit HK$34.93M · loan HK$34.93M · min. income ≈ HK$338,582/mo (50% DSR)
Upfront cash ≈ HK$37.90M (deposit + AVD stamp duty HK$2,969,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,221
−HK$9,575/mo
▼ 0.25% · 3.875%
HK$181,974
−HK$4,822/mo
Today · 4.125%
HK$186,796
baseline
▲ 0.50% · 4.625%
HK$196,642
+HK$9,846/mo
Deposit HK$34.93M · loan HK$34.93M · min. income ≈ HK$373,592/mo (50% DSR)
Upfront cash ≈ HK$37.90M (deposit + AVD stamp duty HK$2,969,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,162
−HK$11,987/mo
▼ 0.25% · 3.875%
HK$197,108
−HK$6,041/mo
Today · 4.125%
HK$203,149
baseline
▲ 0.50% · 4.625%
HK$215,511
+HK$12,362/mo
Deposit HK$27.94M · loan HK$41.92M · min. income ≈ HK$406,298/mo (50% DSR)
Upfront cash ≈ HK$30.91M (deposit + AVD stamp duty HK$2,969,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,666
−HK$11,489/mo
▼ 0.25% · 3.875%
HK$218,369
−HK$5,786/mo
Today · 4.125%
HK$224,155
baseline
▲ 0.50% · 4.625%
HK$235,971
+HK$11,816/mo
Deposit HK$27.94M · loan HK$41.92M · min. income ≈ HK$448,310/mo (50% DSR)
Upfront cash ≈ HK$30.91M (deposit + AVD stamp duty HK$2,969,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,022
−HK$13,986/mo
▼ 0.25% · 3.875%
HK$229,959
−HK$7,049/mo
Today · 4.125%
HK$237,008
baseline
▲ 0.50% · 4.625%
HK$251,429
+HK$14,421/mo
Deposit HK$20.96M · loan HK$48.90M · min. income ≈ HK$474,016/mo (50% DSR)
Upfront cash ≈ HK$23.93M (deposit + AVD stamp duty HK$2,969,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,110
−HK$13,405/mo
▼ 0.25% · 3.875%
HK$254,764
−HK$6,751/mo
Today · 4.125%
HK$261,515
baseline
▲ 0.50% · 4.625%
HK$275,299
+HK$13,784/mo
Deposit HK$20.96M · loan HK$48.90M · min. income ≈ HK$523,030/mo (50% DSR)
Upfront cash ≈ HK$23.93M (deposit + AVD stamp duty HK$2,969,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,743
−HK$17,981/mo
▼ 0.25% · 3.875%
HK$295,662
−HK$9,062/mo
Today · 4.125%
HK$304,724
baseline
▲ 0.50% · 4.625%
HK$323,266
+HK$18,542/mo
Deposit HK$6.99M · loan HK$62.88M · min. income ≈ HK$609,448/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$2,969,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,998
−HK$17,235/mo
▼ 0.25% · 3.875%
HK$327,554
−HK$8,679/mo
Today · 4.125%
HK$336,233
baseline
▲ 0.50% · 4.625%
HK$353,956
+HK$17,723/mo
Deposit HK$6.99M · loan HK$62.88M · min. income ≈ HK$672,466/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$2,969,103 · Scale 2, in force from 26 Feb 2026)