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$154,700
−HK$9,701/mo
▼ 0.25% · 3.875%
HK$159,512
−HK$4,889/mo
Today · 4.125%
HK$164,401
baseline
▲ 0.50% · 4.625%
HK$174,404
+HK$10,003/mo
Deposit HK$33.92M · loan HK$33.92M · min. income ≈ HK$328,802/mo (50% DSR)
Upfront cash ≈ HK$36.80M (deposit + AVD stamp duty HK$2,883,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,102
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$176,717
−HK$4,683/mo
Today · 4.125%
HK$181,400
baseline
▲ 0.50% · 4.625%
HK$190,962
+HK$9,562/mo
Deposit HK$33.92M · loan HK$33.92M · min. income ≈ HK$362,800/mo (50% DSR)
Upfront cash ≈ HK$36.80M (deposit + AVD stamp duty HK$2,883,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,639
−HK$11,642/mo
▼ 0.25% · 3.875%
HK$191,414
−HK$5,867/mo
Today · 4.125%
HK$197,281
baseline
▲ 0.50% · 4.625%
HK$209,285
+HK$12,004/mo
Deposit HK$27.14M · loan HK$40.71M · min. income ≈ HK$394,562/mo (50% DSR)
Upfront cash ≈ HK$30.02M (deposit + AVD stamp duty HK$2,883,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,522
−HK$11,158/mo
▼ 0.25% · 3.875%
HK$212,061
−HK$5,619/mo
Today · 4.125%
HK$217,680
baseline
▲ 0.50% · 4.625%
HK$229,154
+HK$11,474/mo
Deposit HK$27.14M · loan HK$40.71M · min. income ≈ HK$435,360/mo (50% DSR)
Upfront cash ≈ HK$30.02M (deposit + AVD stamp duty HK$2,883,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,579
−HK$13,582/mo
▼ 0.25% · 3.875%
HK$223,316
−HK$6,845/mo
Today · 4.125%
HK$230,161
baseline
▲ 0.50% · 4.625%
HK$244,165
+HK$14,004/mo
Deposit HK$20.35M · loan HK$47.49M · min. income ≈ HK$460,322/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,883,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,942
−HK$13,018/mo
▼ 0.25% · 3.875%
HK$247,404
−HK$6,556/mo
Today · 4.125%
HK$253,960
baseline
▲ 0.50% · 4.625%
HK$267,346
+HK$13,386/mo
Deposit HK$20.35M · loan HK$47.49M · min. income ≈ HK$507,920/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,883,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,459
−HK$17,462/mo
▼ 0.25% · 3.875%
HK$287,121
−HK$8,800/mo
Today · 4.125%
HK$295,921
baseline
▲ 0.50% · 4.625%
HK$313,927
+HK$18,006/mo
Deposit HK$6.78M · loan HK$61.06M · min. income ≈ HK$591,842/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,883,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,783
−HK$16,737/mo
▼ 0.25% · 3.875%
HK$318,091
−HK$8,429/mo
Today · 4.125%
HK$326,520
baseline
▲ 0.50% · 4.625%
HK$343,731
+HK$17,211/mo
Deposit HK$6.78M · loan HK$61.06M · min. income ≈ HK$653,040/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,883,329 · Scale 2, in force from 26 Feb 2026)