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$152,090
−HK$9,537/mo
▼ 0.25% · 3.875%
HK$156,821
−HK$4,806/mo
Today · 4.125%
HK$161,627
baseline
▲ 0.50% · 4.625%
HK$171,462
+HK$9,835/mo
Deposit HK$33.35M · loan HK$33.35M · min. income ≈ HK$323,254/mo (50% DSR)
Upfront cash ≈ HK$36.18M (deposit + AVD stamp duty HK$2,834,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,199
−HK$9,141/mo
▼ 0.25% · 3.875%
HK$173,736
−HK$4,604/mo
Today · 4.125%
HK$178,340
baseline
▲ 0.50% · 4.625%
HK$187,740
+HK$9,400/mo
Deposit HK$33.35M · loan HK$33.35M · min. income ≈ HK$356,680/mo (50% DSR)
Upfront cash ≈ HK$36.18M (deposit + AVD stamp duty HK$2,834,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,508
−HK$11,445/mo
▼ 0.25% · 3.875%
HK$188,185
−HK$5,768/mo
Today · 4.125%
HK$193,953
baseline
▲ 0.50% · 4.625%
HK$205,754
+HK$11,801/mo
Deposit HK$26.68M · loan HK$40.02M · min. income ≈ HK$387,906/mo (50% DSR)
Upfront cash ≈ HK$29.51M (deposit + AVD stamp duty HK$2,834,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,038
−HK$10,970/mo
▼ 0.25% · 3.875%
HK$208,484
−HK$5,524/mo
Today · 4.125%
HK$214,008
baseline
▲ 0.50% · 4.625%
HK$225,288
+HK$11,280/mo
Deposit HK$26.68M · loan HK$40.02M · min. income ≈ HK$428,016/mo (50% DSR)
Upfront cash ≈ HK$29.51M (deposit + AVD stamp duty HK$2,834,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,926
−HK$13,352/mo
▼ 0.25% · 3.875%
HK$219,549
−HK$6,729/mo
Today · 4.125%
HK$226,278
baseline
▲ 0.50% · 4.625%
HK$240,047
+HK$13,769/mo
Deposit HK$20.01M · loan HK$46.69M · min. income ≈ HK$452,556/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,834,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,878
−HK$12,798/mo
▼ 0.25% · 3.875%
HK$243,231
−HK$6,445/mo
Today · 4.125%
HK$249,676
baseline
▲ 0.50% · 4.625%
HK$262,836
+HK$13,160/mo
Deposit HK$20.01M · loan HK$46.69M · min. income ≈ HK$499,352/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,834,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,762
−HK$17,167/mo
▼ 0.25% · 3.875%
HK$282,277
−HK$8,652/mo
Today · 4.125%
HK$290,929
baseline
▲ 0.50% · 4.625%
HK$308,632
+HK$17,703/mo
Deposit HK$6.67M · loan HK$60.03M · min. income ≈ HK$581,858/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$2,834,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,557
−HK$16,455/mo
▼ 0.25% · 3.875%
HK$312,725
−HK$8,287/mo
Today · 4.125%
HK$321,012
baseline
▲ 0.50% · 4.625%
HK$337,933
+HK$16,921/mo
Deposit HK$6.67M · loan HK$60.03M · min. income ≈ HK$642,024/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$2,834,692 · Scale 2, in force from 26 Feb 2026)