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$150,637
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$155,323
−HK$4,761/mo
Today · 4.125%
HK$160,084
baseline
▲ 0.50% · 4.625%
HK$169,824
+HK$9,740/mo
Deposit HK$33.03M · loan HK$33.03M · min. income ≈ HK$320,168/mo (50% DSR)
Upfront cash ≈ HK$35.84M (deposit + AVD stamp duty HK$2,807,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,582
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$172,077
−HK$4,559/mo
Today · 4.125%
HK$176,636
baseline
▲ 0.50% · 4.625%
HK$185,947
+HK$9,311/mo
Deposit HK$33.03M · loan HK$33.03M · min. income ≈ HK$353,272/mo (50% DSR)
Upfront cash ≈ HK$35.84M (deposit + AVD stamp duty HK$2,807,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,765
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$186,387
−HK$5,713/mo
Today · 4.125%
HK$192,100
baseline
▲ 0.50% · 4.625%
HK$203,789
+HK$11,689/mo
Deposit HK$26.42M · loan HK$39.64M · min. income ≈ HK$384,200/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$2,807,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,099
−HK$10,865/mo
▼ 0.25% · 3.875%
HK$206,492
−HK$5,472/mo
Today · 4.125%
HK$211,964
baseline
▲ 0.50% · 4.625%
HK$223,137
+HK$11,173/mo
Deposit HK$26.42M · loan HK$39.64M · min. income ≈ HK$423,928/mo (50% DSR)
Upfront cash ≈ HK$29.23M (deposit + AVD stamp duty HK$2,807,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,892
−HK$13,225/mo
▼ 0.25% · 3.875%
HK$217,452
−HK$6,665/mo
Today · 4.125%
HK$224,117
baseline
▲ 0.50% · 4.625%
HK$237,754
+HK$13,637/mo
Deposit HK$19.82M · loan HK$46.24M · min. income ≈ HK$448,234/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,807,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,615
−HK$12,676/mo
▼ 0.25% · 3.875%
HK$240,908
−HK$6,383/mo
Today · 4.125%
HK$247,291
baseline
▲ 0.50% · 4.625%
HK$260,326
+HK$13,035/mo
Deposit HK$19.82M · loan HK$46.24M · min. income ≈ HK$494,582/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,807,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,147
−HK$17,003/mo
▼ 0.25% · 3.875%
HK$279,581
−HK$8,569/mo
Today · 4.125%
HK$288,150
baseline
▲ 0.50% · 4.625%
HK$305,684
+HK$17,534/mo
Deposit HK$6.61M · loan HK$59.46M · min. income ≈ HK$576,300/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$2,807,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,648
−HK$16,297/mo
▼ 0.25% · 3.875%
HK$309,738
−HK$8,207/mo
Today · 4.125%
HK$317,945
baseline
▲ 0.50% · 4.625%
HK$334,705
+HK$16,760/mo
Deposit HK$6.61M · loan HK$59.46M · min. income ≈ HK$635,890/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$2,807,615 · Scale 2, in force from 26 Feb 2026)