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$158,421
−HK$9,934/mo
▼ 0.25% · 3.875%
HK$163,349
−HK$5,006/mo
Today · 4.125%
HK$168,355
baseline
▲ 0.50% · 4.625%
HK$178,599
+HK$10,244/mo
Deposit HK$34.74M · loan HK$34.74M · min. income ≈ HK$336,710/mo (50% DSR)
Upfront cash ≈ HK$37.69M (deposit + AVD stamp duty HK$2,952,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,242
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$180,968
−HK$4,795/mo
Today · 4.125%
HK$185,763
baseline
▲ 0.50% · 4.625%
HK$195,555
+HK$9,792/mo
Deposit HK$34.74M · loan HK$34.74M · min. income ≈ HK$371,526/mo (50% DSR)
Upfront cash ≈ HK$37.69M (deposit + AVD stamp duty HK$2,952,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,105
−HK$11,921/mo
▼ 0.25% · 3.875%
HK$196,018
−HK$6,008/mo
Today · 4.125%
HK$202,026
baseline
▲ 0.50% · 4.625%
HK$214,319
+HK$12,293/mo
Deposit HK$27.79M · loan HK$41.68M · min. income ≈ HK$404,052/mo (50% DSR)
Upfront cash ≈ HK$30.74M (deposit + AVD stamp duty HK$2,952,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,490
−HK$11,426/mo
▼ 0.25% · 3.875%
HK$217,162
−HK$5,754/mo
Today · 4.125%
HK$222,916
baseline
▲ 0.50% · 4.625%
HK$234,666
+HK$11,750/mo
Deposit HK$27.79M · loan HK$41.68M · min. income ≈ HK$445,832/mo (50% DSR)
Upfront cash ≈ HK$30.74M (deposit + AVD stamp duty HK$2,952,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,789
−HK$13,908/mo
▼ 0.25% · 3.875%
HK$228,688
−HK$7,009/mo
Today · 4.125%
HK$235,697
baseline
▲ 0.50% · 4.625%
HK$250,039
+HK$14,342/mo
Deposit HK$20.84M · loan HK$48.63M · min. income ≈ HK$471,394/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,952,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,738
−HK$13,331/mo
▼ 0.25% · 3.875%
HK$253,356
−HK$6,713/mo
Today · 4.125%
HK$260,069
baseline
▲ 0.50% · 4.625%
HK$273,777
+HK$13,708/mo
Deposit HK$20.84M · loan HK$48.63M · min. income ≈ HK$520,138/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,952,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,157
−HK$17,882/mo
▼ 0.25% · 3.875%
HK$294,027
−HK$9,012/mo
Today · 4.125%
HK$303,039
baseline
▲ 0.50% · 4.625%
HK$321,479
+HK$18,440/mo
Deposit HK$6.95M · loan HK$62.53M · min. income ≈ HK$606,078/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,952,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,235
−HK$17,139/mo
▼ 0.25% · 3.875%
HK$325,743
−HK$8,631/mo
Today · 4.125%
HK$334,374
baseline
▲ 0.50% · 4.625%
HK$351,999
+HK$17,625/mo
Deposit HK$6.95M · loan HK$62.53M · min. income ≈ HK$668,748/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,952,688 · Scale 2, in force from 26 Feb 2026)