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$153,175
−HK$9,605/mo
▼ 0.25% · 3.875%
HK$157,940
−HK$4,840/mo
Today · 4.125%
HK$162,780
baseline
▲ 0.50% · 4.625%
HK$172,685
+HK$9,905/mo
Deposit HK$33.59M · loan HK$33.59M · min. income ≈ HK$325,560/mo (50% DSR)
Upfront cash ≈ HK$36.44M (deposit + AVD stamp duty HK$2,854,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,406
−HK$9,206/mo
▼ 0.25% · 3.875%
HK$174,976
−HK$4,636/mo
Today · 4.125%
HK$179,612
baseline
▲ 0.50% · 4.625%
HK$189,080
+HK$9,468/mo
Deposit HK$33.59M · loan HK$33.59M · min. income ≈ HK$359,224/mo (50% DSR)
Upfront cash ≈ HK$36.44M (deposit + AVD stamp duty HK$2,854,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,810
−HK$11,526/mo
▼ 0.25% · 3.875%
HK$189,528
−HK$5,808/mo
Today · 4.125%
HK$195,336
baseline
▲ 0.50% · 4.625%
HK$207,222
+HK$11,886/mo
Deposit HK$26.87M · loan HK$40.30M · min. income ≈ HK$390,672/mo (50% DSR)
Upfront cash ≈ HK$29.72M (deposit + AVD stamp duty HK$2,854,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,487
−HK$11,048/mo
▼ 0.25% · 3.875%
HK$209,971
−HK$5,564/mo
Today · 4.125%
HK$215,535
baseline
▲ 0.50% · 4.625%
HK$226,896
+HK$11,361/mo
Deposit HK$26.87M · loan HK$40.30M · min. income ≈ HK$431,070/mo (50% DSR)
Upfront cash ≈ HK$29.72M (deposit + AVD stamp duty HK$2,854,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,445
−HK$13,448/mo
▼ 0.25% · 3.875%
HK$221,115
−HK$6,778/mo
Today · 4.125%
HK$227,893
baseline
▲ 0.50% · 4.625%
HK$241,759
+HK$13,866/mo
Deposit HK$20.15M · loan HK$47.02M · min. income ≈ HK$455,786/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,854,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,568
−HK$12,889/mo
▼ 0.25% · 3.875%
HK$244,966
−HK$6,491/mo
Today · 4.125%
HK$251,457
baseline
▲ 0.50% · 4.625%
HK$264,712
+HK$13,255/mo
Deposit HK$20.15M · loan HK$47.02M · min. income ≈ HK$502,914/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,854,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,715
−HK$17,290/mo
▼ 0.25% · 3.875%
HK$284,291
−HK$8,714/mo
Today · 4.125%
HK$293,005
baseline
▲ 0.50% · 4.625%
HK$310,833
+HK$17,828/mo
Deposit HK$6.72M · loan HK$60.46M · min. income ≈ HK$586,010/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,854,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,730
−HK$16,572/mo
▼ 0.25% · 3.875%
HK$314,956
−HK$8,346/mo
Today · 4.125%
HK$323,302
baseline
▲ 0.50% · 4.625%
HK$340,344
+HK$17,042/mo
Deposit HK$6.72M · loan HK$60.46M · min. income ≈ HK$646,604/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,854,915 · Scale 2, in force from 26 Feb 2026)