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$152,849
−HK$9,585/mo
▼ 0.25% · 3.875%
HK$157,603
−HK$4,831/mo
Today · 4.125%
HK$162,434
baseline
▲ 0.50% · 4.625%
HK$172,318
+HK$9,884/mo
Deposit HK$33.52M · loan HK$33.52M · min. income ≈ HK$324,868/mo (50% DSR)
Upfront cash ≈ HK$36.36M (deposit + AVD stamp duty HK$2,848,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,043
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$174,603
−HK$4,627/mo
Today · 4.125%
HK$179,230
baseline
▲ 0.50% · 4.625%
HK$188,677
+HK$9,447/mo
Deposit HK$33.52M · loan HK$33.52M · min. income ≈ HK$358,460/mo (50% DSR)
Upfront cash ≈ HK$36.36M (deposit + AVD stamp duty HK$2,848,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,419
−HK$11,502/mo
▼ 0.25% · 3.875%
HK$189,124
−HK$5,797/mo
Today · 4.125%
HK$194,921
baseline
▲ 0.50% · 4.625%
HK$206,781
+HK$11,860/mo
Deposit HK$26.81M · loan HK$40.22M · min. income ≈ HK$389,842/mo (50% DSR)
Upfront cash ≈ HK$29.66M (deposit + AVD stamp duty HK$2,848,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,051
−HK$11,025/mo
▼ 0.25% · 3.875%
HK$209,524
−HK$5,552/mo
Today · 4.125%
HK$215,076
baseline
▲ 0.50% · 4.625%
HK$226,413
+HK$11,337/mo
Deposit HK$26.81M · loan HK$40.22M · min. income ≈ HK$430,152/mo (50% DSR)
Upfront cash ≈ HK$29.66M (deposit + AVD stamp duty HK$2,848,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,988
−HK$13,419/mo
▼ 0.25% · 3.875%
HK$220,645
−HK$6,762/mo
Today · 4.125%
HK$227,407
baseline
▲ 0.50% · 4.625%
HK$241,245
+HK$13,838/mo
Deposit HK$20.11M · loan HK$46.92M · min. income ≈ HK$454,814/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,848,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,060
−HK$12,862/mo
▼ 0.25% · 3.875%
HK$244,445
−HK$6,477/mo
Today · 4.125%
HK$250,922
baseline
▲ 0.50% · 4.625%
HK$264,148
+HK$13,226/mo
Deposit HK$20.11M · loan HK$46.92M · min. income ≈ HK$501,844/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$2,848,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,128
−HK$17,253/mo
▼ 0.25% · 3.875%
HK$283,686
−HK$8,695/mo
Today · 4.125%
HK$292,381
baseline
▲ 0.50% · 4.625%
HK$310,172
+HK$17,791/mo
Deposit HK$6.70M · loan HK$60.33M · min. income ≈ HK$584,762/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,848,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,077
−HK$16,537/mo
▼ 0.25% · 3.875%
HK$314,286
−HK$8,328/mo
Today · 4.125%
HK$322,614
baseline
▲ 0.50% · 4.625%
HK$339,619
+HK$17,005/mo
Deposit HK$6.70M · loan HK$60.33M · min. income ≈ HK$645,228/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,848,837 · Scale 2, in force from 26 Feb 2026)