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$154,859
−HK$9,711/mo
▼ 0.25% · 3.875%
HK$159,676
−HK$4,894/mo
Today · 4.125%
HK$164,570
baseline
▲ 0.50% · 4.625%
HK$174,584
+HK$10,014/mo
Deposit HK$33.96M · loan HK$33.96M · min. income ≈ HK$329,140/mo (50% DSR)
Upfront cash ≈ HK$36.84M (deposit + AVD stamp duty HK$2,886,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,279
−HK$9,308/mo
▼ 0.25% · 3.875%
HK$176,900
−HK$4,687/mo
Today · 4.125%
HK$181,587
baseline
▲ 0.50% · 4.625%
HK$191,159
+HK$9,572/mo
Deposit HK$33.96M · loan HK$33.96M · min. income ≈ HK$363,174/mo (50% DSR)
Upfront cash ≈ HK$36.84M (deposit + AVD stamp duty HK$2,886,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,831
−HK$11,653/mo
▼ 0.25% · 3.875%
HK$191,611
−HK$5,873/mo
Today · 4.125%
HK$197,484
baseline
▲ 0.50% · 4.625%
HK$209,501
+HK$12,017/mo
Deposit HK$27.17M · loan HK$40.75M · min. income ≈ HK$394,968/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,886,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,735
−HK$11,169/mo
▼ 0.25% · 3.875%
HK$212,280
−HK$5,624/mo
Today · 4.125%
HK$217,904
baseline
▲ 0.50% · 4.625%
HK$229,390
+HK$11,486/mo
Deposit HK$27.17M · loan HK$40.75M · min. income ≈ HK$435,808/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,886,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,803
−HK$13,595/mo
▼ 0.25% · 3.875%
HK$223,547
−HK$6,851/mo
Today · 4.125%
HK$230,398
baseline
▲ 0.50% · 4.625%
HK$244,417
+HK$14,019/mo
Deposit HK$20.37M · loan HK$47.54M · min. income ≈ HK$460,796/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,886,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,191
−HK$13,031/mo
▼ 0.25% · 3.875%
HK$247,660
−HK$6,562/mo
Today · 4.125%
HK$254,222
baseline
▲ 0.50% · 4.625%
HK$267,622
+HK$13,400/mo
Deposit HK$20.37M · loan HK$47.54M · min. income ≈ HK$508,444/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,886,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,746
−HK$17,480/mo
▼ 0.25% · 3.875%
HK$287,417
−HK$8,809/mo
Today · 4.125%
HK$296,226
baseline
▲ 0.50% · 4.625%
HK$314,251
+HK$18,025/mo
Deposit HK$6.79M · loan HK$61.12M · min. income ≈ HK$592,452/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$2,886,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,103
−HK$16,754/mo
▼ 0.25% · 3.875%
HK$318,419
−HK$8,438/mo
Today · 4.125%
HK$326,857
baseline
▲ 0.50% · 4.625%
HK$344,086
+HK$17,229/mo
Deposit HK$6.79M · loan HK$61.12M · min. income ≈ HK$653,714/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$2,886,305 · Scale 2, in force from 26 Feb 2026)