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$149,790
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$154,449
−HK$4,734/mo
Today · 4.125%
HK$159,183
baseline
▲ 0.50% · 4.625%
HK$168,869
+HK$9,686/mo
Deposit HK$32.84M · loan HK$32.84M · min. income ≈ HK$318,366/mo (50% DSR)
Upfront cash ≈ HK$35.64M (deposit + AVD stamp duty HK$2,791,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,640
−HK$9,003/mo
▼ 0.25% · 3.875%
HK$171,109
−HK$4,534/mo
Today · 4.125%
HK$175,643
baseline
▲ 0.50% · 4.625%
HK$184,901
+HK$9,258/mo
Deposit HK$32.84M · loan HK$32.84M · min. income ≈ HK$351,286/mo (50% DSR)
Upfront cash ≈ HK$35.64M (deposit + AVD stamp duty HK$2,791,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,748
−HK$11,271/mo
▼ 0.25% · 3.875%
HK$185,339
−HK$5,680/mo
Today · 4.125%
HK$191,019
baseline
▲ 0.50% · 4.625%
HK$202,642
+HK$11,623/mo
Deposit HK$26.28M · loan HK$39.41M · min. income ≈ HK$382,038/mo (50% DSR)
Upfront cash ≈ HK$29.07M (deposit + AVD stamp duty HK$2,791,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,967
−HK$10,804/mo
▼ 0.25% · 3.875%
HK$205,330
−HK$5,441/mo
Today · 4.125%
HK$210,771
baseline
▲ 0.50% · 4.625%
HK$221,881
+HK$11,110/mo
Deposit HK$26.28M · loan HK$39.41M · min. income ≈ HK$421,542/mo (50% DSR)
Upfront cash ≈ HK$29.07M (deposit + AVD stamp duty HK$2,791,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,706
−HK$13,150/mo
▼ 0.25% · 3.875%
HK$216,229
−HK$6,627/mo
Today · 4.125%
HK$222,856
baseline
▲ 0.50% · 4.625%
HK$236,416
+HK$13,560/mo
Deposit HK$19.71M · loan HK$45.98M · min. income ≈ HK$445,712/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,791,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,295
−HK$12,605/mo
▼ 0.25% · 3.875%
HK$239,552
−HK$6,348/mo
Today · 4.125%
HK$245,900
baseline
▲ 0.50% · 4.625%
HK$258,861
+HK$12,961/mo
Deposit HK$19.71M · loan HK$45.98M · min. income ≈ HK$491,800/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,791,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,621
−HK$16,908/mo
▼ 0.25% · 3.875%
HK$278,008
−HK$8,521/mo
Today · 4.125%
HK$286,529
baseline
▲ 0.50% · 4.625%
HK$303,964
+HK$17,435/mo
Deposit HK$6.57M · loan HK$59.12M · min. income ≈ HK$573,058/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$2,791,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,951
−HK$16,206/mo
▼ 0.25% · 3.875%
HK$307,996
−HK$8,161/mo
Today · 4.125%
HK$316,157
baseline
▲ 0.50% · 4.625%
HK$332,822
+HK$16,665/mo
Deposit HK$6.57M · loan HK$59.12M · min. income ≈ HK$632,314/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$2,791,819 · Scale 2, in force from 26 Feb 2026)