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$157,341
−HK$9,866/mo
▼ 0.25% · 3.875%
HK$162,235
−HK$4,972/mo
Today · 4.125%
HK$167,207
baseline
▲ 0.50% · 4.625%
HK$177,381
+HK$10,174/mo
Deposit HK$34.50M · loan HK$34.50M · min. income ≈ HK$334,414/mo (50% DSR)
Upfront cash ≈ HK$37.43M (deposit + AVD stamp duty HK$2,932,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,040
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$179,734
−HK$4,763/mo
Today · 4.125%
HK$184,497
baseline
▲ 0.50% · 4.625%
HK$194,222
+HK$9,725/mo
Deposit HK$34.50M · loan HK$34.50M · min. income ≈ HK$368,994/mo (50% DSR)
Upfront cash ≈ HK$37.43M (deposit + AVD stamp duty HK$2,932,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,809
−HK$11,840/mo
▼ 0.25% · 3.875%
HK$194,682
−HK$5,967/mo
Today · 4.125%
HK$200,649
baseline
▲ 0.50% · 4.625%
HK$212,858
+HK$12,209/mo
Deposit HK$27.60M · loan HK$41.40M · min. income ≈ HK$401,298/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,932,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,048
−HK$11,348/mo
▼ 0.25% · 3.875%
HK$215,681
−HK$5,715/mo
Today · 4.125%
HK$221,396
baseline
▲ 0.50% · 4.625%
HK$233,066
+HK$11,670/mo
Deposit HK$27.60M · loan HK$41.40M · min. income ≈ HK$442,792/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,932,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,277
−HK$13,813/mo
▼ 0.25% · 3.875%
HK$227,129
−HK$6,961/mo
Today · 4.125%
HK$234,090
baseline
▲ 0.50% · 4.625%
HK$248,334
+HK$14,244/mo
Deposit HK$20.70M · loan HK$48.30M · min. income ≈ HK$468,180/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,932,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,056
−HK$13,239/mo
▼ 0.25% · 3.875%
HK$251,628
−HK$6,667/mo
Today · 4.125%
HK$258,295
baseline
▲ 0.50% · 4.625%
HK$271,911
+HK$13,616/mo
Deposit HK$20.70M · loan HK$48.30M · min. income ≈ HK$516,590/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,932,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,213
−HK$17,760/mo
▼ 0.25% · 3.875%
HK$292,023
−HK$8,950/mo
Today · 4.125%
HK$300,973
baseline
▲ 0.50% · 4.625%
HK$319,287
+HK$18,314/mo
Deposit HK$6.90M · loan HK$62.10M · min. income ≈ HK$601,946/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,932,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,072
−HK$17,022/mo
▼ 0.25% · 3.875%
HK$323,522
−HK$8,572/mo
Today · 4.125%
HK$332,094
baseline
▲ 0.50% · 4.625%
HK$349,599
+HK$17,505/mo
Deposit HK$6.90M · loan HK$62.10M · min. income ≈ HK$664,188/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,932,555 · Scale 2, in force from 26 Feb 2026)