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$157,612
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$162,514
−HK$4,981/mo
Today · 4.125%
HK$167,495
baseline
▲ 0.50% · 4.625%
HK$177,687
+HK$10,192/mo
Deposit HK$34.56M · loan HK$34.56M · min. income ≈ HK$334,990/mo (50% DSR)
Upfront cash ≈ HK$37.50M (deposit + AVD stamp duty HK$2,937,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,341
−HK$9,473/mo
▼ 0.25% · 3.875%
HK$180,044
−HK$4,770/mo
Today · 4.125%
HK$184,814
baseline
▲ 0.50% · 4.625%
HK$194,556
+HK$9,742/mo
Deposit HK$34.56M · loan HK$34.56M · min. income ≈ HK$369,628/mo (50% DSR)
Upfront cash ≈ HK$37.50M (deposit + AVD stamp duty HK$2,937,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,134
−HK$11,860/mo
▼ 0.25% · 3.875%
HK$195,017
−HK$5,977/mo
Today · 4.125%
HK$200,994
baseline
▲ 0.50% · 4.625%
HK$213,224
+HK$12,230/mo
Deposit HK$27.65M · loan HK$41.47M · min. income ≈ HK$401,988/mo (50% DSR)
Upfront cash ≈ HK$30.59M (deposit + AVD stamp duty HK$2,937,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,410
−HK$11,367/mo
▼ 0.25% · 3.875%
HK$216,053
−HK$5,724/mo
Today · 4.125%
HK$221,777
baseline
▲ 0.50% · 4.625%
HK$233,468
+HK$11,691/mo
Deposit HK$27.65M · loan HK$41.47M · min. income ≈ HK$443,554/mo (50% DSR)
Upfront cash ≈ HK$30.59M (deposit + AVD stamp duty HK$2,937,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,656
−HK$13,837/mo
▼ 0.25% · 3.875%
HK$227,520
−HK$6,973/mo
Today · 4.125%
HK$234,493
baseline
▲ 0.50% · 4.625%
HK$248,762
+HK$14,269/mo
Deposit HK$20.74M · loan HK$48.38M · min. income ≈ HK$468,986/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$2,937,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,478
−HK$13,262/mo
▼ 0.25% · 3.875%
HK$252,061
−HK$6,679/mo
Today · 4.125%
HK$258,740
baseline
▲ 0.50% · 4.625%
HK$272,379
+HK$13,639/mo
Deposit HK$20.74M · loan HK$48.38M · min. income ≈ HK$517,480/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$2,937,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,701
−HK$17,790/mo
▼ 0.25% · 3.875%
HK$292,526
−HK$8,965/mo
Today · 4.125%
HK$301,491
baseline
▲ 0.50% · 4.625%
HK$319,836
+HK$18,345/mo
Deposit HK$6.91M · loan HK$62.21M · min. income ≈ HK$602,982/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$2,937,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,614
−HK$17,052/mo
▼ 0.25% · 3.875%
HK$324,079
−HK$8,587/mo
Today · 4.125%
HK$332,666
baseline
▲ 0.50% · 4.625%
HK$350,201
+HK$17,535/mo
Deposit HK$6.91M · loan HK$62.21M · min. income ≈ HK$665,332/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$2,937,605 · Scale 2, in force from 26 Feb 2026)