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$154,562
−HK$9,693/mo
▼ 0.25% · 3.875%
HK$159,370
−HK$4,885/mo
Today · 4.125%
HK$164,255
baseline
▲ 0.50% · 4.625%
HK$174,249
+HK$9,994/mo
Deposit HK$33.89M · loan HK$33.89M · min. income ≈ HK$328,510/mo (50% DSR)
Upfront cash ≈ HK$36.77M (deposit + AVD stamp duty HK$2,880,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,949
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$176,560
−HK$4,679/mo
Today · 4.125%
HK$181,239
baseline
▲ 0.50% · 4.625%
HK$190,792
+HK$9,553/mo
Deposit HK$33.89M · loan HK$33.89M · min. income ≈ HK$362,478/mo (50% DSR)
Upfront cash ≈ HK$36.77M (deposit + AVD stamp duty HK$2,880,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,475
−HK$11,630/mo
▼ 0.25% · 3.875%
HK$191,244
−HK$5,861/mo
Today · 4.125%
HK$197,105
baseline
▲ 0.50% · 4.625%
HK$209,099
+HK$11,994/mo
Deposit HK$27.11M · loan HK$40.67M · min. income ≈ HK$394,210/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$2,880,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,339
−HK$11,147/mo
▼ 0.25% · 3.875%
HK$211,873
−HK$5,613/mo
Today · 4.125%
HK$217,486
baseline
▲ 0.50% · 4.625%
HK$228,950
+HK$11,464/mo
Deposit HK$27.11M · loan HK$40.67M · min. income ≈ HK$434,972/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$2,880,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,387
−HK$13,569/mo
▼ 0.25% · 3.875%
HK$223,118
−HK$6,838/mo
Today · 4.125%
HK$229,956
baseline
▲ 0.50% · 4.625%
HK$243,949
+HK$13,993/mo
Deposit HK$20.33M · loan HK$47.45M · min. income ≈ HK$459,912/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,880,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,728
−HK$13,006/mo
▼ 0.25% · 3.875%
HK$247,185
−HK$6,549/mo
Today · 4.125%
HK$253,734
baseline
▲ 0.50% · 4.625%
HK$267,109
+HK$13,375/mo
Deposit HK$20.33M · loan HK$47.45M · min. income ≈ HK$507,468/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,880,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,212
−HK$17,446/mo
▼ 0.25% · 3.875%
HK$286,866
−HK$8,792/mo
Today · 4.125%
HK$295,658
baseline
▲ 0.50% · 4.625%
HK$313,648
+HK$17,990/mo
Deposit HK$6.78M · loan HK$61.00M · min. income ≈ HK$591,316/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$2,880,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,508
−HK$16,722/mo
▼ 0.25% · 3.875%
HK$317,809
−HK$8,421/mo
Today · 4.125%
HK$326,230
baseline
▲ 0.50% · 4.625%
HK$343,426
+HK$17,196/mo
Deposit HK$6.78M · loan HK$61.00M · min. income ≈ HK$652,460/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$2,880,769 · Scale 2, in force from 26 Feb 2026)