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$154,830
−HK$9,709/mo
▼ 0.25% · 3.875%
HK$159,646
−HK$4,893/mo
Today · 4.125%
HK$164,539
baseline
▲ 0.50% · 4.625%
HK$174,551
+HK$10,012/mo
Deposit HK$33.95M · loan HK$33.95M · min. income ≈ HK$329,078/mo (50% DSR)
Upfront cash ≈ HK$36.84M (deposit + AVD stamp duty HK$2,885,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,247
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$176,867
−HK$4,686/mo
Today · 4.125%
HK$181,553
baseline
▲ 0.50% · 4.625%
HK$191,123
+HK$9,570/mo
Deposit HK$33.95M · loan HK$33.95M · min. income ≈ HK$363,106/mo (50% DSR)
Upfront cash ≈ HK$36.84M (deposit + AVD stamp duty HK$2,885,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,796
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$191,576
−HK$5,871/mo
Today · 4.125%
HK$197,447
baseline
▲ 0.50% · 4.625%
HK$209,462
+HK$12,015/mo
Deposit HK$27.16M · loan HK$40.74M · min. income ≈ HK$394,894/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,885,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,697
−HK$11,167/mo
▼ 0.25% · 3.875%
HK$212,240
−HK$5,624/mo
Today · 4.125%
HK$217,864
baseline
▲ 0.50% · 4.625%
HK$229,348
+HK$11,484/mo
Deposit HK$27.16M · loan HK$40.74M · min. income ≈ HK$435,728/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,885,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,762
−HK$13,593/mo
▼ 0.25% · 3.875%
HK$223,505
−HK$6,850/mo
Today · 4.125%
HK$230,355
baseline
▲ 0.50% · 4.625%
HK$244,372
+HK$14,017/mo
Deposit HK$20.37M · loan HK$47.53M · min. income ≈ HK$460,710/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,885,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,146
−HK$13,028/mo
▼ 0.25% · 3.875%
HK$247,613
−HK$6,561/mo
Today · 4.125%
HK$254,174
baseline
▲ 0.50% · 4.625%
HK$267,572
+HK$13,398/mo
Deposit HK$20.37M · loan HK$47.53M · min. income ≈ HK$508,348/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,885,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,694
−HK$17,477/mo
▼ 0.25% · 3.875%
HK$287,363
−HK$8,808/mo
Today · 4.125%
HK$296,171
baseline
▲ 0.50% · 4.625%
HK$314,192
+HK$18,021/mo
Deposit HK$6.79M · loan HK$61.11M · min. income ≈ HK$592,342/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$2,885,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,045
−HK$16,751/mo
▼ 0.25% · 3.875%
HK$318,360
−HK$8,436/mo
Today · 4.125%
HK$326,796
baseline
▲ 0.50% · 4.625%
HK$344,021
+HK$17,225/mo
Deposit HK$6.79M · loan HK$61.11M · min. income ≈ HK$653,592/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$2,885,766 · Scale 2, in force from 26 Feb 2026)