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$156,613
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$161,485
−HK$4,949/mo
Today · 4.125%
HK$166,434
baseline
▲ 0.50% · 4.625%
HK$176,562
+HK$10,128/mo
Deposit HK$34.34M · loan HK$34.34M · min. income ≈ HK$332,868/mo (50% DSR)
Upfront cash ≈ HK$37.26M (deposit + AVD stamp duty HK$2,919,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,231
−HK$9,413/mo
▼ 0.25% · 3.875%
HK$178,904
−HK$4,740/mo
Today · 4.125%
HK$183,644
baseline
▲ 0.50% · 4.625%
HK$193,324
+HK$9,680/mo
Deposit HK$34.34M · loan HK$34.34M · min. income ≈ HK$367,288/mo (50% DSR)
Upfront cash ≈ HK$37.26M (deposit + AVD stamp duty HK$2,919,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,936
−HK$11,785/mo
▼ 0.25% · 3.875%
HK$193,782
−HK$5,939/mo
Today · 4.125%
HK$199,721
baseline
▲ 0.50% · 4.625%
HK$211,874
+HK$12,153/mo
Deposit HK$27.47M · loan HK$41.21M · min. income ≈ HK$399,442/mo (50% DSR)
Upfront cash ≈ HK$30.39M (deposit + AVD stamp duty HK$2,919,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,077
−HK$11,296/mo
▼ 0.25% · 3.875%
HK$214,684
−HK$5,689/mo
Today · 4.125%
HK$220,373
baseline
▲ 0.50% · 4.625%
HK$231,989
+HK$11,616/mo
Deposit HK$27.47M · loan HK$41.21M · min. income ≈ HK$440,746/mo (50% DSR)
Upfront cash ≈ HK$30.39M (deposit + AVD stamp duty HK$2,919,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,259
−HK$13,749/mo
▼ 0.25% · 3.875%
HK$226,079
−HK$6,929/mo
Today · 4.125%
HK$233,008
baseline
▲ 0.50% · 4.625%
HK$247,186
+HK$14,178/mo
Deposit HK$20.60M · loan HK$48.08M · min. income ≈ HK$466,016/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,919,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,923
−HK$13,179/mo
▼ 0.25% · 3.875%
HK$250,465
−HK$6,637/mo
Today · 4.125%
HK$257,102
baseline
▲ 0.50% · 4.625%
HK$270,654
+HK$13,552/mo
Deposit HK$20.60M · loan HK$48.08M · min. income ≈ HK$514,204/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,919,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,904
−HK$17,678/mo
▼ 0.25% · 3.875%
HK$290,673
−HK$8,909/mo
Today · 4.125%
HK$299,582
baseline
▲ 0.50% · 4.625%
HK$317,811
+HK$18,229/mo
Deposit HK$6.87M · loan HK$61.81M · min. income ≈ HK$599,164/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$2,919,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,615
−HK$16,944/mo
▼ 0.25% · 3.875%
HK$322,026
−HK$8,533/mo
Today · 4.125%
HK$330,559
baseline
▲ 0.50% · 4.625%
HK$347,983
+HK$17,424/mo
Deposit HK$6.87M · loan HK$61.81M · min. income ≈ HK$661,118/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$2,919,001 · Scale 2, in force from 26 Feb 2026)