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$149,924
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$154,588
−HK$4,738/mo
Today · 4.125%
HK$159,326
baseline
▲ 0.50% · 4.625%
HK$169,020
+HK$9,694/mo
Deposit HK$32.87M · loan HK$32.87M · min. income ≈ HK$318,652/mo (50% DSR)
Upfront cash ≈ HK$35.67M (deposit + AVD stamp duty HK$2,794,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,789
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$171,262
−HK$4,538/mo
Today · 4.125%
HK$175,800
baseline
▲ 0.50% · 4.625%
HK$185,067
+HK$9,267/mo
Deposit HK$32.87M · loan HK$32.87M · min. income ≈ HK$351,600/mo (50% DSR)
Upfront cash ≈ HK$35.67M (deposit + AVD stamp duty HK$2,794,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,909
−HK$11,282/mo
▼ 0.25% · 3.875%
HK$185,505
−HK$5,686/mo
Today · 4.125%
HK$191,191
baseline
▲ 0.50% · 4.625%
HK$202,824
+HK$11,633/mo
Deposit HK$26.30M · loan HK$39.45M · min. income ≈ HK$382,382/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,794,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,147
−HK$10,813/mo
▼ 0.25% · 3.875%
HK$205,515
−HK$5,445/mo
Today · 4.125%
HK$210,960
baseline
▲ 0.50% · 4.625%
HK$222,080
+HK$11,120/mo
Deposit HK$26.30M · loan HK$39.45M · min. income ≈ HK$421,920/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,794,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,894
−HK$13,162/mo
▼ 0.25% · 3.875%
HK$216,423
−HK$6,633/mo
Today · 4.125%
HK$223,056
baseline
▲ 0.50% · 4.625%
HK$236,628
+HK$13,572/mo
Deposit HK$19.72M · loan HK$46.02M · min. income ≈ HK$446,112/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,794,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,505
−HK$12,615/mo
▼ 0.25% · 3.875%
HK$239,767
−HK$6,353/mo
Today · 4.125%
HK$246,120
baseline
▲ 0.50% · 4.625%
HK$259,094
+HK$12,974/mo
Deposit HK$19.72M · loan HK$46.02M · min. income ≈ HK$492,240/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,794,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,863
−HK$16,923/mo
▼ 0.25% · 3.875%
HK$278,258
−HK$8,528/mo
Today · 4.125%
HK$286,786
baseline
▲ 0.50% · 4.625%
HK$304,236
+HK$17,450/mo
Deposit HK$6.57M · loan HK$59.17M · min. income ≈ HK$573,572/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$2,794,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,220
−HK$16,220/mo
▼ 0.25% · 3.875%
HK$308,272
−HK$8,168/mo
Today · 4.125%
HK$316,440
baseline
▲ 0.50% · 4.625%
HK$333,120
+HK$16,680/mo
Deposit HK$6.57M · loan HK$59.17M · min. income ≈ HK$632,880/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$2,794,324 · Scale 2, in force from 26 Feb 2026)