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$152,384
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$157,124
−HK$4,816/mo
Today · 4.125%
HK$161,940
baseline
▲ 0.50% · 4.625%
HK$171,793
+HK$9,853/mo
Deposit HK$33.41M · loan HK$33.41M · min. income ≈ HK$323,880/mo (50% DSR)
Upfront cash ≈ HK$36.25M (deposit + AVD stamp duty HK$2,840,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,525
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$174,072
−HK$4,612/mo
Today · 4.125%
HK$178,684
baseline
▲ 0.50% · 4.625%
HK$188,103
+HK$9,419/mo
Deposit HK$33.41M · loan HK$33.41M · min. income ≈ HK$357,368/mo (50% DSR)
Upfront cash ≈ HK$36.25M (deposit + AVD stamp duty HK$2,840,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,861
−HK$11,466/mo
▼ 0.25% · 3.875%
HK$188,549
−HK$5,778/mo
Today · 4.125%
HK$194,327
baseline
▲ 0.50% · 4.625%
HK$206,152
+HK$11,825/mo
Deposit HK$26.73M · loan HK$40.10M · min. income ≈ HK$388,654/mo (50% DSR)
Upfront cash ≈ HK$29.57M (deposit + AVD stamp duty HK$2,840,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,430
−HK$10,991/mo
▼ 0.25% · 3.875%
HK$208,886
−HK$5,535/mo
Today · 4.125%
HK$214,421
baseline
▲ 0.50% · 4.625%
HK$225,724
+HK$11,303/mo
Deposit HK$26.73M · loan HK$40.10M · min. income ≈ HK$428,842/mo (50% DSR)
Upfront cash ≈ HK$29.57M (deposit + AVD stamp duty HK$2,840,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,337
−HK$13,378/mo
▼ 0.25% · 3.875%
HK$219,973
−HK$6,742/mo
Today · 4.125%
HK$226,715
baseline
▲ 0.50% · 4.625%
HK$240,510
+HK$13,795/mo
Deposit HK$20.05M · loan HK$46.78M · min. income ≈ HK$453,430/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,840,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,336
−HK$12,822/mo
▼ 0.25% · 3.875%
HK$243,701
−HK$6,457/mo
Today · 4.125%
HK$250,158
baseline
▲ 0.50% · 4.625%
HK$263,344
+HK$13,186/mo
Deposit HK$20.05M · loan HK$46.78M · min. income ≈ HK$500,316/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$2,840,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,291
−HK$17,200/mo
▼ 0.25% · 3.875%
HK$282,823
−HK$8,668/mo
Today · 4.125%
HK$291,491
baseline
▲ 0.50% · 4.625%
HK$309,228
+HK$17,737/mo
Deposit HK$6.68M · loan HK$60.14M · min. income ≈ HK$582,982/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$2,840,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,146
−HK$16,486/mo
▼ 0.25% · 3.875%
HK$313,330
−HK$8,302/mo
Today · 4.125%
HK$321,632
baseline
▲ 0.50% · 4.625%
HK$338,585
+HK$16,953/mo
Deposit HK$6.68M · loan HK$60.14M · min. income ≈ HK$643,264/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$2,840,168 · Scale 2, in force from 26 Feb 2026)