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$157,404
−HK$9,871/mo
▼ 0.25% · 3.875%
HK$162,300
−HK$4,975/mo
Today · 4.125%
HK$167,275
baseline
▲ 0.50% · 4.625%
HK$177,453
+HK$10,178/mo
Deposit HK$34.51M · loan HK$34.51M · min. income ≈ HK$334,550/mo (50% DSR)
Upfront cash ≈ HK$37.45M (deposit + AVD stamp duty HK$2,933,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,110
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$179,807
−HK$4,764/mo
Today · 4.125%
HK$184,571
baseline
▲ 0.50% · 4.625%
HK$194,300
+HK$9,729/mo
Deposit HK$34.51M · loan HK$34.51M · min. income ≈ HK$369,142/mo (50% DSR)
Upfront cash ≈ HK$37.45M (deposit + AVD stamp duty HK$2,933,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,885
−HK$11,845/mo
▼ 0.25% · 3.875%
HK$194,760
−HK$5,970/mo
Today · 4.125%
HK$200,730
baseline
▲ 0.50% · 4.625%
HK$212,944
+HK$12,214/mo
Deposit HK$27.61M · loan HK$41.42M · min. income ≈ HK$401,460/mo (50% DSR)
Upfront cash ≈ HK$30.55M (deposit + AVD stamp duty HK$2,933,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,133
−HK$11,352/mo
▼ 0.25% · 3.875%
HK$215,768
−HK$5,717/mo
Today · 4.125%
HK$221,485
baseline
▲ 0.50% · 4.625%
HK$233,160
+HK$11,675/mo
Deposit HK$27.61M · loan HK$41.42M · min. income ≈ HK$442,970/mo (50% DSR)
Upfront cash ≈ HK$30.55M (deposit + AVD stamp duty HK$2,933,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,366
−HK$13,819/mo
▼ 0.25% · 3.875%
HK$227,220
−HK$6,965/mo
Today · 4.125%
HK$234,185
baseline
▲ 0.50% · 4.625%
HK$248,434
+HK$14,249/mo
Deposit HK$20.71M · loan HK$48.32M · min. income ≈ HK$468,370/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,933,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,155
−HK$13,245/mo
▼ 0.25% · 3.875%
HK$251,730
−HK$6,670/mo
Today · 4.125%
HK$258,400
baseline
▲ 0.50% · 4.625%
HK$272,020
+HK$13,620/mo
Deposit HK$20.71M · loan HK$48.32M · min. income ≈ HK$516,800/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,933,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,327
−HK$17,767/mo
▼ 0.25% · 3.875%
HK$292,140
−HK$8,954/mo
Today · 4.125%
HK$301,094
baseline
▲ 0.50% · 4.625%
HK$319,415
+HK$18,321/mo
Deposit HK$6.90M · loan HK$62.13M · min. income ≈ HK$602,188/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$2,933,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,199
−HK$17,029/mo
▼ 0.25% · 3.875%
HK$323,652
−HK$8,576/mo
Today · 4.125%
HK$332,228
baseline
▲ 0.50% · 4.625%
HK$349,740
+HK$17,512/mo
Deposit HK$6.90M · loan HK$62.13M · min. income ≈ HK$664,456/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$2,933,738 · Scale 2, in force from 26 Feb 2026)