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$150,747
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$155,436
−HK$4,764/mo
Today · 4.125%
HK$160,200
baseline
▲ 0.50% · 4.625%
HK$169,948
+HK$9,748/mo
Deposit HK$33.05M · loan HK$33.05M · min. income ≈ HK$320,400/mo (50% DSR)
Upfront cash ≈ HK$35.86M (deposit + AVD stamp duty HK$2,809,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,704
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$172,202
−HK$4,563/mo
Today · 4.125%
HK$176,765
baseline
▲ 0.50% · 4.625%
HK$186,082
+HK$9,317/mo
Deposit HK$33.05M · loan HK$33.05M · min. income ≈ HK$353,530/mo (50% DSR)
Upfront cash ≈ HK$35.86M (deposit + AVD stamp duty HK$2,809,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,896
−HK$11,344/mo
▼ 0.25% · 3.875%
HK$186,523
−HK$5,717/mo
Today · 4.125%
HK$192,240
baseline
▲ 0.50% · 4.625%
HK$203,937
+HK$11,697/mo
Deposit HK$26.44M · loan HK$39.67M · min. income ≈ HK$384,480/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,809,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,245
−HK$10,873/mo
▼ 0.25% · 3.875%
HK$206,642
−HK$5,476/mo
Today · 4.125%
HK$212,118
baseline
▲ 0.50% · 4.625%
HK$223,299
+HK$11,181/mo
Deposit HK$26.44M · loan HK$39.67M · min. income ≈ HK$424,236/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,809,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,046
−HK$13,234/mo
▼ 0.25% · 3.875%
HK$217,610
−HK$6,670/mo
Today · 4.125%
HK$224,280
baseline
▲ 0.50% · 4.625%
HK$237,927
+HK$13,647/mo
Deposit HK$19.83M · loan HK$46.28M · min. income ≈ HK$448,560/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,809,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,786
−HK$12,685/mo
▼ 0.25% · 3.875%
HK$241,083
−HK$6,388/mo
Today · 4.125%
HK$247,471
baseline
▲ 0.50% · 4.625%
HK$260,515
+HK$13,044/mo
Deposit HK$19.83M · loan HK$46.28M · min. income ≈ HK$494,942/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,809,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,344
−HK$17,016/mo
▼ 0.25% · 3.875%
HK$279,785
−HK$8,575/mo
Today · 4.125%
HK$288,360
baseline
▲ 0.50% · 4.625%
HK$305,906
+HK$17,546/mo
Deposit HK$6.61M · loan HK$59.50M · min. income ≈ HK$576,720/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$2,809,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,868
−HK$16,309/mo
▼ 0.25% · 3.875%
HK$309,964
−HK$8,213/mo
Today · 4.125%
HK$318,177
baseline
▲ 0.50% · 4.625%
HK$334,948
+HK$16,771/mo
Deposit HK$6.61M · loan HK$59.50M · min. income ≈ HK$636,354/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$2,809,658 · Scale 2, in force from 26 Feb 2026)