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$157,659
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$162,563
−HK$4,983/mo
Today · 4.125%
HK$167,546
baseline
▲ 0.50% · 4.625%
HK$177,740
+HK$10,194/mo
Deposit HK$34.57M · loan HK$34.57M · min. income ≈ HK$335,092/mo (50% DSR)
Upfront cash ≈ HK$37.51M (deposit + AVD stamp duty HK$2,938,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,394
−HK$9,476/mo
▼ 0.25% · 3.875%
HK$180,098
−HK$4,772/mo
Today · 4.125%
HK$184,870
baseline
▲ 0.50% · 4.625%
HK$194,615
+HK$9,745/mo
Deposit HK$34.57M · loan HK$34.57M · min. income ≈ HK$369,740/mo (50% DSR)
Upfront cash ≈ HK$37.51M (deposit + AVD stamp duty HK$2,938,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,191
−HK$11,864/mo
▼ 0.25% · 3.875%
HK$195,076
−HK$5,979/mo
Today · 4.125%
HK$201,055
baseline
▲ 0.50% · 4.625%
HK$213,288
+HK$12,233/mo
Deposit HK$27.66M · loan HK$41.48M · min. income ≈ HK$402,110/mo (50% DSR)
Upfront cash ≈ HK$30.59M (deposit + AVD stamp duty HK$2,938,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,473
−HK$11,371/mo
▼ 0.25% · 3.875%
HK$216,118
−HK$5,726/mo
Today · 4.125%
HK$221,844
baseline
▲ 0.50% · 4.625%
HK$233,538
+HK$11,694/mo
Deposit HK$27.66M · loan HK$41.48M · min. income ≈ HK$443,688/mo (50% DSR)
Upfront cash ≈ HK$30.59M (deposit + AVD stamp duty HK$2,938,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,723
−HK$13,841/mo
▼ 0.25% · 3.875%
HK$227,588
−HK$6,976/mo
Today · 4.125%
HK$234,564
baseline
▲ 0.50% · 4.625%
HK$248,837
+HK$14,273/mo
Deposit HK$20.74M · loan HK$48.40M · min. income ≈ HK$469,128/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$2,938,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,552
−HK$13,266/mo
▼ 0.25% · 3.875%
HK$252,137
−HK$6,681/mo
Today · 4.125%
HK$258,818
baseline
▲ 0.50% · 4.625%
HK$272,461
+HK$13,643/mo
Deposit HK$20.74M · loan HK$48.40M · min. income ≈ HK$517,636/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$2,938,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,786
−HK$17,796/mo
▼ 0.25% · 3.875%
HK$292,614
−HK$8,968/mo
Today · 4.125%
HK$301,582
baseline
▲ 0.50% · 4.625%
HK$319,933
+HK$18,351/mo
Deposit HK$6.91M · loan HK$62.23M · min. income ≈ HK$603,164/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$2,938,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,709
−HK$17,057/mo
▼ 0.25% · 3.875%
HK$324,177
−HK$8,589/mo
Today · 4.125%
HK$332,766
baseline
▲ 0.50% · 4.625%
HK$350,307
+HK$17,541/mo
Deposit HK$6.91M · loan HK$62.23M · min. income ≈ HK$665,532/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$2,938,489 · Scale 2, in force from 26 Feb 2026)