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$155,171
−HK$9,730/mo
▼ 0.25% · 3.875%
HK$159,997
−HK$4,904/mo
Today · 4.125%
HK$164,901
baseline
▲ 0.50% · 4.625%
HK$174,935
+HK$10,034/mo
Deposit HK$34.02M · loan HK$34.02M · min. income ≈ HK$329,802/mo (50% DSR)
Upfront cash ≈ HK$36.92M (deposit + AVD stamp duty HK$2,892,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,626
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$177,256
−HK$4,696/mo
Today · 4.125%
HK$181,952
baseline
▲ 0.50% · 4.625%
HK$191,543
+HK$9,591/mo
Deposit HK$34.02M · loan HK$34.02M · min. income ≈ HK$363,904/mo (50% DSR)
Upfront cash ≈ HK$36.92M (deposit + AVD stamp duty HK$2,892,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,205
−HK$11,677/mo
▼ 0.25% · 3.875%
HK$191,997
−HK$5,885/mo
Today · 4.125%
HK$197,882
baseline
▲ 0.50% · 4.625%
HK$209,922
+HK$12,040/mo
Deposit HK$27.22M · loan HK$40.83M · min. income ≈ HK$395,764/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,892,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,151
−HK$11,192/mo
▼ 0.25% · 3.875%
HK$212,707
−HK$5,636/mo
Today · 4.125%
HK$218,343
baseline
▲ 0.50% · 4.625%
HK$229,852
+HK$11,509/mo
Deposit HK$27.22M · loan HK$40.83M · min. income ≈ HK$436,686/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,892,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,239
−HK$13,623/mo
▼ 0.25% · 3.875%
HK$223,996
−HK$6,866/mo
Today · 4.125%
HK$230,862
baseline
▲ 0.50% · 4.625%
HK$244,909
+HK$14,047/mo
Deposit HK$20.41M · loan HK$47.63M · min. income ≈ HK$461,724/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$2,892,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,676
−HK$13,057/mo
▼ 0.25% · 3.875%
HK$248,158
−HK$6,575/mo
Today · 4.125%
HK$254,733
baseline
▲ 0.50% · 4.625%
HK$268,161
+HK$13,428/mo
Deposit HK$20.41M · loan HK$47.63M · min. income ≈ HK$509,466/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$2,892,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,307
−HK$17,515/mo
▼ 0.25% · 3.875%
HK$287,995
−HK$8,827/mo
Today · 4.125%
HK$296,822
baseline
▲ 0.50% · 4.625%
HK$314,883
+HK$18,061/mo
Deposit HK$6.80M · loan HK$61.24M · min. income ≈ HK$593,644/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$2,892,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,727
−HK$16,787/mo
▼ 0.25% · 3.875%
HK$319,060
−HK$8,454/mo
Today · 4.125%
HK$327,514
baseline
▲ 0.50% · 4.625%
HK$344,778
+HK$17,264/mo
Deposit HK$6.80M · loan HK$61.24M · min. income ≈ HK$655,028/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$2,892,113 · Scale 2, in force from 26 Feb 2026)