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$156,974
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$161,857
−HK$4,961/mo
Today · 4.125%
HK$166,818
baseline
▲ 0.50% · 4.625%
HK$176,968
+HK$10,150/mo
Deposit HK$34.42M · loan HK$34.42M · min. income ≈ HK$333,636/mo (50% DSR)
Upfront cash ≈ HK$37.35M (deposit + AVD stamp duty HK$2,925,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,632
−HK$9,435/mo
▼ 0.25% · 3.875%
HK$179,316
−HK$4,751/mo
Today · 4.125%
HK$184,067
baseline
▲ 0.50% · 4.625%
HK$193,769
+HK$9,702/mo
Deposit HK$34.42M · loan HK$34.42M · min. income ≈ HK$368,134/mo (50% DSR)
Upfront cash ≈ HK$37.35M (deposit + AVD stamp duty HK$2,925,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,369
−HK$11,812/mo
▼ 0.25% · 3.875%
HK$194,228
−HK$5,953/mo
Today · 4.125%
HK$200,181
baseline
▲ 0.50% · 4.625%
HK$212,362
+HK$12,181/mo
Deposit HK$27.54M · loan HK$41.30M · min. income ≈ HK$400,362/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,925,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,558
−HK$11,322/mo
▼ 0.25% · 3.875%
HK$215,179
−HK$5,701/mo
Today · 4.125%
HK$220,880
baseline
▲ 0.50% · 4.625%
HK$232,523
+HK$11,643/mo
Deposit HK$27.54M · loan HK$41.30M · min. income ≈ HK$441,760/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,925,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,764
−HK$13,781/mo
▼ 0.25% · 3.875%
HK$226,600
−HK$6,945/mo
Today · 4.125%
HK$233,545
baseline
▲ 0.50% · 4.625%
HK$247,755
+HK$14,210/mo
Deposit HK$20.65M · loan HK$48.19M · min. income ≈ HK$467,090/mo (50% DSR)
Upfront cash ≈ HK$23.58M (deposit + AVD stamp duty HK$2,925,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,485
−HK$13,209/mo
▼ 0.25% · 3.875%
HK$251,042
−HK$6,652/mo
Today · 4.125%
HK$257,694
baseline
▲ 0.50% · 4.625%
HK$271,277
+HK$13,583/mo
Deposit HK$20.65M · loan HK$48.19M · min. income ≈ HK$515,388/mo (50% DSR)
Upfront cash ≈ HK$23.58M (deposit + AVD stamp duty HK$2,925,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,553
−HK$17,719/mo
▼ 0.25% · 3.875%
HK$291,342
−HK$8,930/mo
Today · 4.125%
HK$300,272
baseline
▲ 0.50% · 4.625%
HK$318,543
+HK$18,271/mo
Deposit HK$6.88M · loan HK$61.96M · min. income ≈ HK$600,544/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$2,925,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,338
−HK$16,982/mo
▼ 0.25% · 3.875%
HK$322,768
−HK$8,552/mo
Today · 4.125%
HK$331,320
baseline
▲ 0.50% · 4.625%
HK$348,785
+HK$17,465/mo
Deposit HK$6.88M · loan HK$61.96M · min. income ≈ HK$662,640/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$2,925,723 · Scale 2, in force from 26 Feb 2026)