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$158,001
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$162,916
−HK$4,993/mo
Today · 4.125%
HK$167,909
baseline
▲ 0.50% · 4.625%
HK$178,126
+HK$10,217/mo
Deposit HK$34.65M · loan HK$34.65M · min. income ≈ HK$335,818/mo (50% DSR)
Upfront cash ≈ HK$37.59M (deposit + AVD stamp duty HK$2,944,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,775
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$180,489
−HK$4,782/mo
Today · 4.125%
HK$185,271
baseline
▲ 0.50% · 4.625%
HK$195,037
+HK$9,766/mo
Deposit HK$34.65M · loan HK$34.65M · min. income ≈ HK$370,542/mo (50% DSR)
Upfront cash ≈ HK$37.59M (deposit + AVD stamp duty HK$2,944,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,602
−HK$11,889/mo
▼ 0.25% · 3.875%
HK$195,499
−HK$5,992/mo
Today · 4.125%
HK$201,491
baseline
▲ 0.50% · 4.625%
HK$213,752
+HK$12,261/mo
Deposit HK$27.72M · loan HK$41.57M · min. income ≈ HK$402,982/mo (50% DSR)
Upfront cash ≈ HK$30.66M (deposit + AVD stamp duty HK$2,944,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,930
−HK$11,396/mo
▼ 0.25% · 3.875%
HK$216,587
−HK$5,739/mo
Today · 4.125%
HK$222,326
baseline
▲ 0.50% · 4.625%
HK$234,045
+HK$11,719/mo
Deposit HK$27.72M · loan HK$41.57M · min. income ≈ HK$444,652/mo (50% DSR)
Upfront cash ≈ HK$30.66M (deposit + AVD stamp duty HK$2,944,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,202
−HK$13,871/mo
▼ 0.25% · 3.875%
HK$228,082
−HK$6,991/mo
Today · 4.125%
HK$235,073
baseline
▲ 0.50% · 4.625%
HK$249,377
+HK$14,304/mo
Deposit HK$20.79M · loan HK$48.50M · min. income ≈ HK$470,146/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,944,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,085
−HK$13,295/mo
▼ 0.25% · 3.875%
HK$252,685
−HK$6,695/mo
Today · 4.125%
HK$259,380
baseline
▲ 0.50% · 4.625%
HK$273,052
+HK$13,672/mo
Deposit HK$20.79M · loan HK$48.50M · min. income ≈ HK$518,760/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,944,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,402
−HK$17,835/mo
▼ 0.25% · 3.875%
HK$293,249
−HK$8,988/mo
Today · 4.125%
HK$302,237
baseline
▲ 0.50% · 4.625%
HK$320,627
+HK$18,390/mo
Deposit HK$6.93M · loan HK$62.36M · min. income ≈ HK$604,474/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$2,944,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,395
−HK$17,094/mo
▼ 0.25% · 3.875%
HK$324,880
−HK$8,609/mo
Today · 4.125%
HK$333,489
baseline
▲ 0.50% · 4.625%
HK$351,067
+HK$17,578/mo
Deposit HK$6.93M · loan HK$62.36M · min. income ≈ HK$666,978/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$2,944,869 · Scale 2, in force from 26 Feb 2026)