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$151,480
−HK$9,499/mo
▼ 0.25% · 3.875%
HK$156,192
−HK$4,787/mo
Today · 4.125%
HK$160,979
baseline
▲ 0.50% · 4.625%
HK$170,774
+HK$9,795/mo
Deposit HK$33.22M · loan HK$33.22M · min. income ≈ HK$321,958/mo (50% DSR)
Upfront cash ≈ HK$36.04M (deposit + AVD stamp duty HK$2,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,520
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$173,040
−HK$4,585/mo
Today · 4.125%
HK$177,625
baseline
▲ 0.50% · 4.625%
HK$186,987
+HK$9,362/mo
Deposit HK$33.22M · loan HK$33.22M · min. income ≈ HK$355,250/mo (50% DSR)
Upfront cash ≈ HK$36.04M (deposit + AVD stamp duty HK$2,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,776
−HK$11,399/mo
▼ 0.25% · 3.875%
HK$187,430
−HK$5,745/mo
Today · 4.125%
HK$193,175
baseline
▲ 0.50% · 4.625%
HK$204,929
+HK$11,754/mo
Deposit HK$26.57M · loan HK$39.86M · min. income ≈ HK$386,350/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$2,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,224
−HK$10,925/mo
▼ 0.25% · 3.875%
HK$207,647
−HK$5,502/mo
Today · 4.125%
HK$213,149
baseline
▲ 0.50% · 4.625%
HK$224,385
+HK$11,236/mo
Deposit HK$26.57M · loan HK$39.86M · min. income ≈ HK$426,298/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$2,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,072
−HK$13,299/mo
▼ 0.25% · 3.875%
HK$218,669
−HK$6,702/mo
Today · 4.125%
HK$225,371
baseline
▲ 0.50% · 4.625%
HK$239,084
+HK$13,713/mo
Deposit HK$19.93M · loan HK$46.50M · min. income ≈ HK$450,742/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,928
−HK$12,746/mo
▼ 0.25% · 3.875%
HK$242,255
−HK$6,419/mo
Today · 4.125%
HK$248,674
baseline
▲ 0.50% · 4.625%
HK$261,782
+HK$13,108/mo
Deposit HK$19.93M · loan HK$46.50M · min. income ≈ HK$497,348/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,664
−HK$17,098/mo
▼ 0.25% · 3.875%
HK$281,145
−HK$8,617/mo
Today · 4.125%
HK$289,762
baseline
▲ 0.50% · 4.625%
HK$307,394
+HK$17,632/mo
Deposit HK$6.64M · loan HK$59.79M · min. income ≈ HK$579,524/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$2,823,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,336
−HK$16,388/mo
▼ 0.25% · 3.875%
HK$311,471
−HK$8,253/mo
Today · 4.125%
HK$319,724
baseline
▲ 0.50% · 4.625%
HK$336,577
+HK$16,853/mo
Deposit HK$6.64M · loan HK$59.79M · min. income ≈ HK$639,448/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$2,823,322 · Scale 2, in force from 26 Feb 2026)