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$152,831
−HK$9,584/mo
▼ 0.25% · 3.875%
HK$157,585
−HK$4,830/mo
Today · 4.125%
HK$162,415
baseline
▲ 0.50% · 4.625%
HK$172,297
+HK$9,882/mo
Deposit HK$33.51M · loan HK$33.51M · min. income ≈ HK$324,830/mo (50% DSR)
Upfront cash ≈ HK$36.36M (deposit + AVD stamp duty HK$2,848,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,023
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$174,583
−HK$4,626/mo
Today · 4.125%
HK$179,209
baseline
▲ 0.50% · 4.625%
HK$188,655
+HK$9,446/mo
Deposit HK$33.51M · loan HK$33.51M · min. income ≈ HK$358,418/mo (50% DSR)
Upfront cash ≈ HK$36.36M (deposit + AVD stamp duty HK$2,848,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,397
−HK$11,501/mo
▼ 0.25% · 3.875%
HK$189,102
−HK$5,796/mo
Today · 4.125%
HK$194,898
baseline
▲ 0.50% · 4.625%
HK$206,757
+HK$11,859/mo
Deposit HK$26.81M · loan HK$40.21M · min. income ≈ HK$389,796/mo (50% DSR)
Upfront cash ≈ HK$29.66M (deposit + AVD stamp duty HK$2,848,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,027
−HK$11,023/mo
▼ 0.25% · 3.875%
HK$209,499
−HK$5,551/mo
Today · 4.125%
HK$215,050
baseline
▲ 0.50% · 4.625%
HK$226,386
+HK$11,336/mo
Deposit HK$26.81M · loan HK$40.21M · min. income ≈ HK$430,100/mo (50% DSR)
Upfront cash ≈ HK$29.66M (deposit + AVD stamp duty HK$2,848,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,963
−HK$13,418/mo
▼ 0.25% · 3.875%
HK$220,619
−HK$6,762/mo
Today · 4.125%
HK$227,381
baseline
▲ 0.50% · 4.625%
HK$241,216
+HK$13,835/mo
Deposit HK$20.11M · loan HK$46.92M · min. income ≈ HK$454,762/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,848,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,032
−HK$12,860/mo
▼ 0.25% · 3.875%
HK$244,416
−HK$6,476/mo
Today · 4.125%
HK$250,892
baseline
▲ 0.50% · 4.625%
HK$264,117
+HK$13,225/mo
Deposit HK$20.11M · loan HK$46.92M · min. income ≈ HK$501,784/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,848,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,096
−HK$17,251/mo
▼ 0.25% · 3.875%
HK$283,653
−HK$8,694/mo
Today · 4.125%
HK$292,347
baseline
▲ 0.50% · 4.625%
HK$310,135
+HK$17,788/mo
Deposit HK$6.70M · loan HK$60.32M · min. income ≈ HK$584,694/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,848,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,041
−HK$16,535/mo
▼ 0.25% · 3.875%
HK$314,249
−HK$8,327/mo
Today · 4.125%
HK$322,576
baseline
▲ 0.50% · 4.625%
HK$339,579
+HK$17,003/mo
Deposit HK$6.70M · loan HK$60.32M · min. income ≈ HK$645,152/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,848,502 · Scale 2, in force from 26 Feb 2026)