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$158,305
−HK$9,928/mo
▼ 0.25% · 3.875%
HK$163,230
−HK$5,003/mo
Today · 4.125%
HK$168,233
baseline
▲ 0.50% · 4.625%
HK$178,469
+HK$10,236/mo
Deposit HK$34.71M · loan HK$34.71M · min. income ≈ HK$336,466/mo (50% DSR)
Upfront cash ≈ HK$37.66M (deposit + AVD stamp duty HK$2,950,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,113
−HK$9,515/mo
▼ 0.25% · 3.875%
HK$180,837
−HK$4,791/mo
Today · 4.125%
HK$185,628
baseline
▲ 0.50% · 4.625%
HK$195,413
+HK$9,785/mo
Deposit HK$34.71M · loan HK$34.71M · min. income ≈ HK$371,256/mo (50% DSR)
Upfront cash ≈ HK$37.66M (deposit + AVD stamp duty HK$2,950,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,967
−HK$11,912/mo
▼ 0.25% · 3.875%
HK$195,876
−HK$6,003/mo
Today · 4.125%
HK$201,879
baseline
▲ 0.50% · 4.625%
HK$214,163
+HK$12,284/mo
Deposit HK$27.77M · loan HK$41.65M · min. income ≈ HK$403,758/mo (50% DSR)
Upfront cash ≈ HK$30.72M (deposit + AVD stamp duty HK$2,950,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,336
−HK$11,418/mo
▼ 0.25% · 3.875%
HK$217,004
−HK$5,750/mo
Today · 4.125%
HK$222,754
baseline
▲ 0.50% · 4.625%
HK$234,495
+HK$11,741/mo
Deposit HK$27.77M · loan HK$41.65M · min. income ≈ HK$445,508/mo (50% DSR)
Upfront cash ≈ HK$30.72M (deposit + AVD stamp duty HK$2,950,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,628
−HK$13,898/mo
▼ 0.25% · 3.875%
HK$228,522
−HK$7,004/mo
Today · 4.125%
HK$235,526
baseline
▲ 0.50% · 4.625%
HK$249,857
+HK$14,331/mo
Deposit HK$20.83M · loan HK$48.60M · min. income ≈ HK$471,052/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,950,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,559
−HK$13,320/mo
▼ 0.25% · 3.875%
HK$253,171
−HK$6,708/mo
Today · 4.125%
HK$259,879
baseline
▲ 0.50% · 4.625%
HK$273,578
+HK$13,699/mo
Deposit HK$20.83M · loan HK$48.60M · min. income ≈ HK$519,758/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,950,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,950
−HK$17,869/mo
▼ 0.25% · 3.875%
HK$293,813
−HK$9,006/mo
Today · 4.125%
HK$302,819
baseline
▲ 0.50% · 4.625%
HK$321,244
+HK$18,425/mo
Deposit HK$6.94M · loan HK$62.48M · min. income ≈ HK$605,638/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$2,950,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,004
−HK$17,127/mo
▼ 0.25% · 3.875%
HK$325,506
−HK$8,625/mo
Today · 4.125%
HK$334,131
baseline
▲ 0.50% · 4.625%
HK$351,743
+HK$17,612/mo
Deposit HK$6.94M · loan HK$62.48M · min. income ≈ HK$668,262/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$2,950,538 · Scale 2, in force from 26 Feb 2026)