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$149,820
−HK$9,395/mo
▼ 0.25% · 3.875%
HK$154,480
−HK$4,735/mo
Today · 4.125%
HK$159,215
baseline
▲ 0.50% · 4.625%
HK$168,903
+HK$9,688/mo
Deposit HK$32.85M · loan HK$32.85M · min. income ≈ HK$318,430/mo (50% DSR)
Upfront cash ≈ HK$35.64M (deposit + AVD stamp duty HK$2,792,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,673
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,143
−HK$4,535/mo
Today · 4.125%
HK$175,678
baseline
▲ 0.50% · 4.625%
HK$184,938
+HK$9,260/mo
Deposit HK$32.85M · loan HK$32.85M · min. income ≈ HK$351,356/mo (50% DSR)
Upfront cash ≈ HK$35.64M (deposit + AVD stamp duty HK$2,792,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,784
−HK$11,274/mo
▼ 0.25% · 3.875%
HK$185,376
−HK$5,682/mo
Today · 4.125%
HK$191,058
baseline
▲ 0.50% · 4.625%
HK$202,683
+HK$11,625/mo
Deposit HK$26.28M · loan HK$39.42M · min. income ≈ HK$382,116/mo (50% DSR)
Upfront cash ≈ HK$29.07M (deposit + AVD stamp duty HK$2,792,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,008
−HK$10,805/mo
▼ 0.25% · 3.875%
HK$205,372
−HK$5,441/mo
Today · 4.125%
HK$210,813
baseline
▲ 0.50% · 4.625%
HK$221,926
+HK$11,113/mo
Deposit HK$26.28M · loan HK$39.42M · min. income ≈ HK$421,626/mo (50% DSR)
Upfront cash ≈ HK$29.07M (deposit + AVD stamp duty HK$2,792,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,748
−HK$13,153/mo
▼ 0.25% · 3.875%
HK$216,272
−HK$6,629/mo
Today · 4.125%
HK$222,901
baseline
▲ 0.50% · 4.625%
HK$236,464
+HK$13,563/mo
Deposit HK$19.71M · loan HK$45.99M · min. income ≈ HK$445,802/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,792,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,342
−HK$12,607/mo
▼ 0.25% · 3.875%
HK$239,600
−HK$6,349/mo
Today · 4.125%
HK$245,949
baseline
▲ 0.50% · 4.625%
HK$258,913
+HK$12,964/mo
Deposit HK$19.71M · loan HK$45.99M · min. income ≈ HK$491,898/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$2,792,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,676
−HK$16,911/mo
▼ 0.25% · 3.875%
HK$278,064
−HK$8,523/mo
Today · 4.125%
HK$286,587
baseline
▲ 0.50% · 4.625%
HK$304,025
+HK$17,438/mo
Deposit HK$6.57M · loan HK$59.13M · min. income ≈ HK$573,174/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$2,792,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,011
−HK$16,209/mo
▼ 0.25% · 3.875%
HK$308,057
−HK$8,163/mo
Today · 4.125%
HK$316,220
baseline
▲ 0.50% · 4.625%
HK$332,888
+HK$16,668/mo
Deposit HK$6.57M · loan HK$59.13M · min. income ≈ HK$632,440/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$2,792,379 · Scale 2, in force from 26 Feb 2026)