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$153,844
−HK$9,647/mo
▼ 0.25% · 3.875%
HK$158,629
−HK$4,862/mo
Today · 4.125%
HK$163,491
baseline
▲ 0.50% · 4.625%
HK$173,439
+HK$9,948/mo
Deposit HK$33.73M · loan HK$33.73M · min. income ≈ HK$326,982/mo (50% DSR)
Upfront cash ≈ HK$36.60M (deposit + AVD stamp duty HK$2,867,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,150
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$175,740
−HK$4,657/mo
Today · 4.125%
HK$180,397
baseline
▲ 0.50% · 4.625%
HK$189,906
+HK$9,509/mo
Deposit HK$33.73M · loan HK$33.73M · min. income ≈ HK$360,794/mo (50% DSR)
Upfront cash ≈ HK$36.60M (deposit + AVD stamp duty HK$2,867,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,613
−HK$11,577/mo
▼ 0.25% · 3.875%
HK$190,355
−HK$5,835/mo
Today · 4.125%
HK$196,190
baseline
▲ 0.50% · 4.625%
HK$208,127
+HK$11,937/mo
Deposit HK$26.99M · loan HK$40.48M · min. income ≈ HK$392,380/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$2,867,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,380
−HK$11,096/mo
▼ 0.25% · 3.875%
HK$210,888
−HK$5,588/mo
Today · 4.125%
HK$216,476
baseline
▲ 0.50% · 4.625%
HK$227,887
+HK$11,411/mo
Deposit HK$26.99M · loan HK$40.48M · min. income ≈ HK$432,952/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$2,867,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,382
−HK$13,506/mo
▼ 0.25% · 3.875%
HK$222,081
−HK$6,807/mo
Today · 4.125%
HK$228,888
baseline
▲ 0.50% · 4.625%
HK$242,815
+HK$13,927/mo
Deposit HK$20.24M · loan HK$47.23M · min. income ≈ HK$457,776/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$2,867,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,610
−HK$12,945/mo
▼ 0.25% · 3.875%
HK$246,036
−HK$6,519/mo
Today · 4.125%
HK$252,555
baseline
▲ 0.50% · 4.625%
HK$265,868
+HK$13,313/mo
Deposit HK$20.24M · loan HK$47.23M · min. income ≈ HK$505,110/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$2,867,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,919
−HK$17,366/mo
▼ 0.25% · 3.875%
HK$285,533
−HK$8,752/mo
Today · 4.125%
HK$294,285
baseline
▲ 0.50% · 4.625%
HK$312,191
+HK$17,906/mo
Deposit HK$6.75M · loan HK$60.72M · min. income ≈ HK$588,570/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$2,867,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,070
−HK$16,644/mo
▼ 0.25% · 3.875%
HK$316,332
−HK$8,382/mo
Today · 4.125%
HK$324,714
baseline
▲ 0.50% · 4.625%
HK$341,830
+HK$17,116/mo
Deposit HK$6.75M · loan HK$60.72M · min. income ≈ HK$649,428/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$2,867,385 · Scale 2, in force from 26 Feb 2026)