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$156,917
−HK$9,840/mo
▼ 0.25% · 3.875%
HK$161,798
−HK$4,959/mo
Today · 4.125%
HK$166,757
baseline
▲ 0.50% · 4.625%
HK$176,904
+HK$10,147/mo
Deposit HK$34.41M · loan HK$34.41M · min. income ≈ HK$333,514/mo (50% DSR)
Upfront cash ≈ HK$37.33M (deposit + AVD stamp duty HK$2,924,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,568
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$179,250
−HK$4,750/mo
Today · 4.125%
HK$184,000
baseline
▲ 0.50% · 4.625%
HK$193,699
+HK$9,699/mo
Deposit HK$34.41M · loan HK$34.41M · min. income ≈ HK$368,000/mo (50% DSR)
Upfront cash ≈ HK$37.33M (deposit + AVD stamp duty HK$2,924,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,300
−HK$11,808/mo
▼ 0.25% · 3.875%
HK$194,157
−HK$5,951/mo
Today · 4.125%
HK$200,108
baseline
▲ 0.50% · 4.625%
HK$212,284
+HK$12,176/mo
Deposit HK$27.53M · loan HK$41.29M · min. income ≈ HK$400,216/mo (50% DSR)
Upfront cash ≈ HK$30.45M (deposit + AVD stamp duty HK$2,924,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,482
−HK$11,318/mo
▼ 0.25% · 3.875%
HK$215,100
−HK$5,700/mo
Today · 4.125%
HK$220,800
baseline
▲ 0.50% · 4.625%
HK$232,438
+HK$11,638/mo
Deposit HK$27.53M · loan HK$41.29M · min. income ≈ HK$441,600/mo (50% DSR)
Upfront cash ≈ HK$30.45M (deposit + AVD stamp duty HK$2,924,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,684
−HK$13,776/mo
▼ 0.25% · 3.875%
HK$226,517
−HK$6,943/mo
Today · 4.125%
HK$233,460
baseline
▲ 0.50% · 4.625%
HK$247,665
+HK$14,205/mo
Deposit HK$20.64M · loan HK$48.17M · min. income ≈ HK$466,920/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$2,924,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,396
−HK$13,204/mo
▼ 0.25% · 3.875%
HK$250,950
−HK$6,650/mo
Today · 4.125%
HK$257,600
baseline
▲ 0.50% · 4.625%
HK$271,178
+HK$13,578/mo
Deposit HK$20.64M · loan HK$48.17M · min. income ≈ HK$515,200/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$2,924,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,450
−HK$17,713/mo
▼ 0.25% · 3.875%
HK$291,236
−HK$8,927/mo
Today · 4.125%
HK$300,163
baseline
▲ 0.50% · 4.625%
HK$318,427
+HK$18,264/mo
Deposit HK$6.88M · loan HK$61.93M · min. income ≈ HK$600,326/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$2,924,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,223
−HK$16,977/mo
▼ 0.25% · 3.875%
HK$322,651
−HK$8,549/mo
Today · 4.125%
HK$331,200
baseline
▲ 0.50% · 4.625%
HK$348,658
+HK$17,458/mo
Deposit HK$6.88M · loan HK$61.93M · min. income ≈ HK$662,400/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$2,924,657 · Scale 2, in force from 26 Feb 2026)