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$151,855
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$156,578
−HK$4,799/mo
Today · 4.125%
HK$161,377
baseline
▲ 0.50% · 4.625%
HK$171,197
+HK$9,820/mo
Deposit HK$33.30M · loan HK$33.30M · min. income ≈ HK$322,754/mo (50% DSR)
Upfront cash ≈ HK$36.13M (deposit + AVD stamp duty HK$2,830,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,937
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$173,468
−HK$4,596/mo
Today · 4.125%
HK$178,064
baseline
▲ 0.50% · 4.625%
HK$187,450
+HK$9,386/mo
Deposit HK$33.30M · loan HK$33.30M · min. income ≈ HK$356,128/mo (50% DSR)
Upfront cash ≈ HK$36.13M (deposit + AVD stamp duty HK$2,830,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,226
−HK$11,427/mo
▼ 0.25% · 3.875%
HK$187,894
−HK$5,759/mo
Today · 4.125%
HK$193,653
baseline
▲ 0.50% · 4.625%
HK$205,436
+HK$11,783/mo
Deposit HK$26.64M · loan HK$39.96M · min. income ≈ HK$387,306/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,830,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,724
−HK$10,953/mo
▼ 0.25% · 3.875%
HK$208,161
−HK$5,516/mo
Today · 4.125%
HK$213,677
baseline
▲ 0.50% · 4.625%
HK$224,940
+HK$11,263/mo
Deposit HK$26.64M · loan HK$39.96M · min. income ≈ HK$427,354/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,830,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,596
−HK$13,332/mo
▼ 0.25% · 3.875%
HK$219,209
−HK$6,719/mo
Today · 4.125%
HK$225,928
baseline
▲ 0.50% · 4.625%
HK$239,675
+HK$13,747/mo
Deposit HK$19.98M · loan HK$46.62M · min. income ≈ HK$451,856/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,830,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,511
−HK$12,778/mo
▼ 0.25% · 3.875%
HK$242,855
−HK$6,434/mo
Today · 4.125%
HK$249,289
baseline
▲ 0.50% · 4.625%
HK$262,430
+HK$13,141/mo
Deposit HK$19.98M · loan HK$46.62M · min. income ≈ HK$498,578/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,830,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,338
−HK$17,141/mo
▼ 0.25% · 3.875%
HK$281,841
−HK$8,638/mo
Today · 4.125%
HK$290,479
baseline
▲ 0.50% · 4.625%
HK$308,154
+HK$17,675/mo
Deposit HK$6.66M · loan HK$59.94M · min. income ≈ HK$580,958/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$2,830,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,086
−HK$16,429/mo
▼ 0.25% · 3.875%
HK$312,242
−HK$8,273/mo
Today · 4.125%
HK$320,515
baseline
▲ 0.50% · 4.625%
HK$337,410
+HK$16,895/mo
Deposit HK$6.66M · loan HK$59.94M · min. income ≈ HK$641,030/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$2,830,305 · Scale 2, in force from 26 Feb 2026)