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$152,984
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$157,743
−HK$4,835/mo
Today · 4.125%
HK$162,578
baseline
▲ 0.50% · 4.625%
HK$172,470
+HK$9,892/mo
Deposit HK$33.55M · loan HK$33.55M · min. income ≈ HK$325,156/mo (50% DSR)
Upfront cash ≈ HK$36.40M (deposit + AVD stamp duty HK$2,851,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,194
−HK$9,195/mo
▼ 0.25% · 3.875%
HK$174,758
−HK$4,631/mo
Today · 4.125%
HK$179,389
baseline
▲ 0.50% · 4.625%
HK$188,845
+HK$9,456/mo
Deposit HK$33.55M · loan HK$33.55M · min. income ≈ HK$358,778/mo (50% DSR)
Upfront cash ≈ HK$36.40M (deposit + AVD stamp duty HK$2,851,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,581
−HK$11,513/mo
▼ 0.25% · 3.875%
HK$189,292
−HK$5,802/mo
Today · 4.125%
HK$195,094
baseline
▲ 0.50% · 4.625%
HK$206,965
+HK$11,871/mo
Deposit HK$26.84M · loan HK$40.25M · min. income ≈ HK$390,188/mo (50% DSR)
Upfront cash ≈ HK$29.69M (deposit + AVD stamp duty HK$2,851,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,232
−HK$11,034/mo
▼ 0.25% · 3.875%
HK$209,710
−HK$5,556/mo
Today · 4.125%
HK$215,266
baseline
▲ 0.50% · 4.625%
HK$226,613
+HK$11,347/mo
Deposit HK$26.84M · loan HK$40.25M · min. income ≈ HK$430,532/mo (50% DSR)
Upfront cash ≈ HK$29.69M (deposit + AVD stamp duty HK$2,851,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,178
−HK$13,431/mo
▼ 0.25% · 3.875%
HK$220,840
−HK$6,769/mo
Today · 4.125%
HK$227,609
baseline
▲ 0.50% · 4.625%
HK$241,459
+HK$13,850/mo
Deposit HK$20.13M · loan HK$46.96M · min. income ≈ HK$455,218/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$2,851,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,271
−HK$12,873/mo
▼ 0.25% · 3.875%
HK$244,661
−HK$6,483/mo
Today · 4.125%
HK$251,144
baseline
▲ 0.50% · 4.625%
HK$264,382
+HK$13,238/mo
Deposit HK$20.13M · loan HK$46.96M · min. income ≈ HK$502,288/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$2,851,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,372
−HK$17,268/mo
▼ 0.25% · 3.875%
HK$283,938
−HK$8,702/mo
Today · 4.125%
HK$292,640
baseline
▲ 0.50% · 4.625%
HK$310,447
+HK$17,807/mo
Deposit HK$6.71M · loan HK$60.38M · min. income ≈ HK$585,280/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$2,851,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,349
−HK$16,551/mo
▼ 0.25% · 3.875%
HK$314,565
−HK$8,335/mo
Today · 4.125%
HK$322,900
baseline
▲ 0.50% · 4.625%
HK$339,920
+HK$17,020/mo
Deposit HK$6.71M · loan HK$60.38M · min. income ≈ HK$645,800/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$2,851,364 · Scale 2, in force from 26 Feb 2026)