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$157,178
−HK$9,856/mo
▼ 0.25% · 3.875%
HK$162,067
−HK$4,967/mo
Today · 4.125%
HK$167,034
baseline
▲ 0.50% · 4.625%
HK$177,198
+HK$10,164/mo
Deposit HK$34.46M · loan HK$34.46M · min. income ≈ HK$334,068/mo (50% DSR)
Upfront cash ≈ HK$37.39M (deposit + AVD stamp duty HK$2,929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,859
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$179,548
−HK$4,758/mo
Today · 4.125%
HK$184,306
baseline
▲ 0.50% · 4.625%
HK$194,021
+HK$9,715/mo
Deposit HK$34.46M · loan HK$34.46M · min. income ≈ HK$368,612/mo (50% DSR)
Upfront cash ≈ HK$37.39M (deposit + AVD stamp duty HK$2,929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,614
−HK$11,827/mo
▼ 0.25% · 3.875%
HK$194,480
−HK$5,961/mo
Today · 4.125%
HK$200,441
baseline
▲ 0.50% · 4.625%
HK$212,638
+HK$12,197/mo
Deposit HK$27.57M · loan HK$41.36M · min. income ≈ HK$400,882/mo (50% DSR)
Upfront cash ≈ HK$30.50M (deposit + AVD stamp duty HK$2,929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,831
−HK$11,336/mo
▼ 0.25% · 3.875%
HK$215,458
−HK$5,709/mo
Today · 4.125%
HK$221,167
baseline
▲ 0.50% · 4.625%
HK$232,825
+HK$11,658/mo
Deposit HK$27.57M · loan HK$41.36M · min. income ≈ HK$442,334/mo (50% DSR)
Upfront cash ≈ HK$30.50M (deposit + AVD stamp duty HK$2,929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,049
−HK$13,799/mo
▼ 0.25% · 3.875%
HK$226,894
−HK$6,954/mo
Today · 4.125%
HK$233,848
baseline
▲ 0.50% · 4.625%
HK$248,077
+HK$14,229/mo
Deposit HK$20.68M · loan HK$48.25M · min. income ≈ HK$467,696/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$2,929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,802
−HK$13,226/mo
▼ 0.25% · 3.875%
HK$251,368
−HK$6,660/mo
Today · 4.125%
HK$258,028
baseline
▲ 0.50% · 4.625%
HK$271,629
+HK$13,601/mo
Deposit HK$20.68M · loan HK$48.25M · min. income ≈ HK$516,056/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$2,929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,920
−HK$17,742/mo
▼ 0.25% · 3.875%
HK$291,721
−HK$8,941/mo
Today · 4.125%
HK$300,662
baseline
▲ 0.50% · 4.625%
HK$318,956
+HK$18,294/mo
Deposit HK$6.89M · loan HK$62.04M · min. income ≈ HK$601,324/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$2,929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,746
−HK$17,005/mo
▼ 0.25% · 3.875%
HK$323,187
−HK$8,564/mo
Today · 4.125%
HK$331,751
baseline
▲ 0.50% · 4.625%
HK$349,238
+HK$17,487/mo
Deposit HK$6.89M · loan HK$62.04M · min. income ≈ HK$663,502/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$2,929,523 · Scale 2, in force from 26 Feb 2026)