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$154,669
−HK$9,699/mo
▼ 0.25% · 3.875%
HK$159,480
−HK$4,888/mo
Today · 4.125%
HK$164,368
baseline
▲ 0.50% · 4.625%
HK$174,370
+HK$10,002/mo
Deposit HK$33.91M · loan HK$33.91M · min. income ≈ HK$328,736/mo (50% DSR)
Upfront cash ≈ HK$36.80M (deposit + AVD stamp duty HK$2,882,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,068
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$176,683
−HK$4,681/mo
Today · 4.125%
HK$181,364
baseline
▲ 0.50% · 4.625%
HK$190,924
+HK$9,560/mo
Deposit HK$33.91M · loan HK$33.91M · min. income ≈ HK$362,728/mo (50% DSR)
Upfront cash ≈ HK$36.80M (deposit + AVD stamp duty HK$2,882,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,603
−HK$11,639/mo
▼ 0.25% · 3.875%
HK$191,376
−HK$5,866/mo
Today · 4.125%
HK$197,242
baseline
▲ 0.50% · 4.625%
HK$209,244
+HK$12,002/mo
Deposit HK$27.13M · loan HK$40.70M · min. income ≈ HK$394,484/mo (50% DSR)
Upfront cash ≈ HK$30.01M (deposit + AVD stamp duty HK$2,882,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,482
−HK$11,155/mo
▼ 0.25% · 3.875%
HK$212,019
−HK$5,618/mo
Today · 4.125%
HK$217,637
baseline
▲ 0.50% · 4.625%
HK$229,109
+HK$11,472/mo
Deposit HK$27.13M · loan HK$40.70M · min. income ≈ HK$435,274/mo (50% DSR)
Upfront cash ≈ HK$30.01M (deposit + AVD stamp duty HK$2,882,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,537
−HK$13,579/mo
▼ 0.25% · 3.875%
HK$223,272
−HK$6,844/mo
Today · 4.125%
HK$230,116
baseline
▲ 0.50% · 4.625%
HK$244,118
+HK$14,002/mo
Deposit HK$20.35M · loan HK$47.48M · min. income ≈ HK$460,232/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,882,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,895
−HK$13,015/mo
▼ 0.25% · 3.875%
HK$247,356
−HK$6,554/mo
Today · 4.125%
HK$253,910
baseline
▲ 0.50% · 4.625%
HK$267,294
+HK$13,384/mo
Deposit HK$20.35M · loan HK$47.48M · min. income ≈ HK$507,820/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,882,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,405
−HK$17,458/mo
▼ 0.25% · 3.875%
HK$287,065
−HK$8,798/mo
Today · 4.125%
HK$295,863
baseline
▲ 0.50% · 4.625%
HK$313,866
+HK$18,003/mo
Deposit HK$6.78M · loan HK$61.05M · min. income ≈ HK$591,726/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,882,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,722
−HK$16,734/mo
▼ 0.25% · 3.875%
HK$318,029
−HK$8,427/mo
Today · 4.125%
HK$326,456
baseline
▲ 0.50% · 4.625%
HK$343,664
+HK$17,208/mo
Deposit HK$6.78M · loan HK$61.05M · min. income ≈ HK$652,912/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,882,765 · Scale 2, in force from 26 Feb 2026)