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$157,348
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$162,242
−HK$4,973/mo
Today · 4.125%
HK$167,215
baseline
▲ 0.50% · 4.625%
HK$177,389
+HK$10,174/mo
Deposit HK$34.50M · loan HK$34.50M · min. income ≈ HK$334,430/mo (50% DSR)
Upfront cash ≈ HK$37.43M (deposit + AVD stamp duty HK$2,932,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,048
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$179,742
−HK$4,763/mo
Today · 4.125%
HK$184,505
baseline
▲ 0.50% · 4.625%
HK$194,231
+HK$9,726/mo
Deposit HK$34.50M · loan HK$34.50M · min. income ≈ HK$369,010/mo (50% DSR)
Upfront cash ≈ HK$37.43M (deposit + AVD stamp duty HK$2,932,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,817
−HK$11,841/mo
▼ 0.25% · 3.875%
HK$194,690
−HK$5,968/mo
Today · 4.125%
HK$200,658
baseline
▲ 0.50% · 4.625%
HK$212,867
+HK$12,209/mo
Deposit HK$27.60M · loan HK$41.40M · min. income ≈ HK$401,316/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,932,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,057
−HK$11,349/mo
▼ 0.25% · 3.875%
HK$215,691
−HK$5,715/mo
Today · 4.125%
HK$221,406
baseline
▲ 0.50% · 4.625%
HK$233,077
+HK$11,671/mo
Deposit HK$27.60M · loan HK$41.40M · min. income ≈ HK$442,812/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,932,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,287
−HK$13,814/mo
▼ 0.25% · 3.875%
HK$227,139
−HK$6,962/mo
Today · 4.125%
HK$234,101
baseline
▲ 0.50% · 4.625%
HK$248,345
+HK$14,244/mo
Deposit HK$20.70M · loan HK$48.30M · min. income ≈ HK$468,202/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,932,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,067
−HK$13,240/mo
▼ 0.25% · 3.875%
HK$251,639
−HK$6,668/mo
Today · 4.125%
HK$258,307
baseline
▲ 0.50% · 4.625%
HK$271,923
+HK$13,616/mo
Deposit HK$20.70M · loan HK$48.30M · min. income ≈ HK$516,614/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,932,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,226
−HK$17,761/mo
▼ 0.25% · 3.875%
HK$292,036
−HK$8,951/mo
Today · 4.125%
HK$300,987
baseline
▲ 0.50% · 4.625%
HK$319,301
+HK$18,314/mo
Deposit HK$6.90M · loan HK$62.10M · min. income ≈ HK$601,974/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,932,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,086
−HK$17,023/mo
▼ 0.25% · 3.875%
HK$323,536
−HK$8,573/mo
Today · 4.125%
HK$332,109
baseline
▲ 0.50% · 4.625%
HK$349,615
+HK$17,506/mo
Deposit HK$6.90M · loan HK$62.10M · min. income ≈ HK$664,218/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,932,686 · Scale 2, in force from 26 Feb 2026)