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$152,185
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$156,918
−HK$4,810/mo
Today · 4.125%
HK$161,728
baseline
▲ 0.50% · 4.625%
HK$171,569
+HK$9,841/mo
Deposit HK$33.37M · loan HK$33.37M · min. income ≈ HK$323,456/mo (50% DSR)
Upfront cash ≈ HK$36.21M (deposit + AVD stamp duty HK$2,836,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,304
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$173,844
−HK$4,607/mo
Today · 4.125%
HK$178,451
baseline
▲ 0.50% · 4.625%
HK$187,857
+HK$9,406/mo
Deposit HK$33.37M · loan HK$33.37M · min. income ≈ HK$356,902/mo (50% DSR)
Upfront cash ≈ HK$36.21M (deposit + AVD stamp duty HK$2,836,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,622
−HK$11,452/mo
▼ 0.25% · 3.875%
HK$188,302
−HK$5,772/mo
Today · 4.125%
HK$194,074
baseline
▲ 0.50% · 4.625%
HK$205,882
+HK$11,808/mo
Deposit HK$26.70M · loan HK$40.04M · min. income ≈ HK$388,148/mo (50% DSR)
Upfront cash ≈ HK$29.53M (deposit + AVD stamp duty HK$2,836,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,165
−HK$10,976/mo
▼ 0.25% · 3.875%
HK$208,613
−HK$5,528/mo
Today · 4.125%
HK$214,141
baseline
▲ 0.50% · 4.625%
HK$225,429
+HK$11,288/mo
Deposit HK$26.70M · loan HK$40.04M · min. income ≈ HK$428,282/mo (50% DSR)
Upfront cash ≈ HK$29.53M (deposit + AVD stamp duty HK$2,836,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,058
−HK$13,361/mo
▼ 0.25% · 3.875%
HK$219,686
−HK$6,733/mo
Today · 4.125%
HK$226,419
baseline
▲ 0.50% · 4.625%
HK$240,196
+HK$13,777/mo
Deposit HK$20.02M · loan HK$46.72M · min. income ≈ HK$452,838/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,836,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,025
−HK$12,806/mo
▼ 0.25% · 3.875%
HK$243,382
−HK$6,449/mo
Today · 4.125%
HK$249,831
baseline
▲ 0.50% · 4.625%
HK$263,000
+HK$13,169/mo
Deposit HK$20.02M · loan HK$46.72M · min. income ≈ HK$499,662/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,836,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,932
−HK$17,178/mo
▼ 0.25% · 3.875%
HK$282,453
−HK$8,657/mo
Today · 4.125%
HK$291,110
baseline
▲ 0.50% · 4.625%
HK$308,824
+HK$17,714/mo
Deposit HK$6.67M · loan HK$60.07M · min. income ≈ HK$582,220/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,836,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,747
−HK$16,464/mo
▼ 0.25% · 3.875%
HK$312,920
−HK$8,291/mo
Today · 4.125%
HK$321,211
baseline
▲ 0.50% · 4.625%
HK$338,143
+HK$16,932/mo
Deposit HK$6.67M · loan HK$60.07M · min. income ≈ HK$642,422/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,836,456 · Scale 2, in force from 26 Feb 2026)