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$158,166
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$163,086
−HK$4,998/mo
Today · 4.125%
HK$168,084
baseline
▲ 0.50% · 4.625%
HK$178,312
+HK$10,228/mo
Deposit HK$34.68M · loan HK$34.68M · min. income ≈ HK$336,168/mo (50% DSR)
Upfront cash ≈ HK$37.63M (deposit + AVD stamp duty HK$2,947,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,958
−HK$9,507/mo
▼ 0.25% · 3.875%
HK$180,677
−HK$4,788/mo
Today · 4.125%
HK$185,465
baseline
▲ 0.50% · 4.625%
HK$195,241
+HK$9,776/mo
Deposit HK$34.68M · loan HK$34.68M · min. income ≈ HK$370,930/mo (50% DSR)
Upfront cash ≈ HK$37.63M (deposit + AVD stamp duty HK$2,947,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,799
−HK$11,902/mo
▼ 0.25% · 3.875%
HK$195,703
−HK$5,998/mo
Today · 4.125%
HK$201,701
baseline
▲ 0.50% · 4.625%
HK$213,974
+HK$12,273/mo
Deposit HK$27.75M · loan HK$41.62M · min. income ≈ HK$403,402/mo (50% DSR)
Upfront cash ≈ HK$30.69M (deposit + AVD stamp duty HK$2,947,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,150
−HK$11,407/mo
▼ 0.25% · 3.875%
HK$216,813
−HK$5,744/mo
Today · 4.125%
HK$222,557
baseline
▲ 0.50% · 4.625%
HK$234,289
+HK$11,732/mo
Deposit HK$27.75M · loan HK$41.62M · min. income ≈ HK$445,114/mo (50% DSR)
Upfront cash ≈ HK$30.69M (deposit + AVD stamp duty HK$2,947,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,432
−HK$13,886/mo
▼ 0.25% · 3.875%
HK$228,320
−HK$6,998/mo
Today · 4.125%
HK$235,318
baseline
▲ 0.50% · 4.625%
HK$249,637
+HK$14,319/mo
Deposit HK$20.81M · loan HK$48.55M · min. income ≈ HK$470,636/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,947,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,341
−HK$13,309/mo
▼ 0.25% · 3.875%
HK$252,948
−HK$6,702/mo
Today · 4.125%
HK$259,650
baseline
▲ 0.50% · 4.625%
HK$273,337
+HK$13,687/mo
Deposit HK$20.81M · loan HK$48.55M · min. income ≈ HK$519,300/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,947,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,699
−HK$17,853/mo
▼ 0.25% · 3.875%
HK$293,555
−HK$8,997/mo
Today · 4.125%
HK$302,552
baseline
▲ 0.50% · 4.625%
HK$320,962
+HK$18,410/mo
Deposit HK$6.94M · loan HK$62.43M · min. income ≈ HK$605,104/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$2,947,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,725
−HK$17,111/mo
▼ 0.25% · 3.875%
HK$325,219
−HK$8,617/mo
Today · 4.125%
HK$333,836
baseline
▲ 0.50% · 4.625%
HK$351,433
+HK$17,597/mo
Deposit HK$6.94M · loan HK$62.43M · min. income ≈ HK$667,672/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$2,947,939 · Scale 2, in force from 26 Feb 2026)