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$154,801
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$159,616
−HK$4,892/mo
Today · 4.125%
HK$164,508
baseline
▲ 0.50% · 4.625%
HK$174,518
+HK$10,010/mo
Deposit HK$33.94M · loan HK$33.94M · min. income ≈ HK$329,016/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$2,885,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,214
−HK$9,304/mo
▼ 0.25% · 3.875%
HK$176,833
−HK$4,685/mo
Today · 4.125%
HK$181,518
baseline
▲ 0.50% · 4.625%
HK$191,086
+HK$9,568/mo
Deposit HK$33.94M · loan HK$33.94M · min. income ≈ HK$363,036/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$2,885,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,761
−HK$11,649/mo
▼ 0.25% · 3.875%
HK$191,539
−HK$5,871/mo
Today · 4.125%
HK$197,410
baseline
▲ 0.50% · 4.625%
HK$209,421
+HK$12,011/mo
Deposit HK$27.15M · loan HK$40.73M · min. income ≈ HK$394,820/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$2,885,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,657
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$212,199
−HK$5,623/mo
Today · 4.125%
HK$217,822
baseline
▲ 0.50% · 4.625%
HK$229,304
+HK$11,482/mo
Deposit HK$27.15M · loan HK$40.73M · min. income ≈ HK$435,644/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$2,885,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,721
−HK$13,590/mo
▼ 0.25% · 3.875%
HK$223,462
−HK$6,849/mo
Today · 4.125%
HK$230,311
baseline
▲ 0.50% · 4.625%
HK$244,325
+HK$14,014/mo
Deposit HK$20.37M · loan HK$47.52M · min. income ≈ HK$460,622/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,885,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,100
−HK$13,026/mo
▼ 0.25% · 3.875%
HK$247,566
−HK$6,560/mo
Today · 4.125%
HK$254,126
baseline
▲ 0.50% · 4.625%
HK$267,521
+HK$13,395/mo
Deposit HK$20.37M · loan HK$47.52M · min. income ≈ HK$508,252/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,885,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,641
−HK$17,473/mo
▼ 0.25% · 3.875%
HK$287,308
−HK$8,806/mo
Today · 4.125%
HK$296,114
baseline
▲ 0.50% · 4.625%
HK$314,132
+HK$18,018/mo
Deposit HK$6.79M · loan HK$61.10M · min. income ≈ HK$592,228/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,885,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,985
−HK$16,748/mo
▼ 0.25% · 3.875%
HK$318,299
−HK$8,434/mo
Today · 4.125%
HK$326,733
baseline
▲ 0.50% · 4.625%
HK$343,956
+HK$17,223/mo
Deposit HK$6.79M · loan HK$61.10M · min. income ≈ HK$653,466/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,885,214 · Scale 2, in force from 26 Feb 2026)