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$155,646
−HK$9,760/mo
▼ 0.25% · 3.875%
HK$160,487
−HK$4,919/mo
Today · 4.125%
HK$165,406
baseline
▲ 0.50% · 4.625%
HK$175,471
+HK$10,065/mo
Deposit HK$34.13M · loan HK$34.13M · min. income ≈ HK$330,812/mo (50% DSR)
Upfront cash ≈ HK$37.03M (deposit + AVD stamp duty HK$2,900,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,154
−HK$9,355/mo
▼ 0.25% · 3.875%
HK$177,798
−HK$4,711/mo
Today · 4.125%
HK$182,509
baseline
▲ 0.50% · 4.625%
HK$192,130
+HK$9,621/mo
Deposit HK$34.13M · loan HK$34.13M · min. income ≈ HK$365,018/mo (50% DSR)
Upfront cash ≈ HK$37.03M (deposit + AVD stamp duty HK$2,900,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,775
−HK$11,712/mo
▼ 0.25% · 3.875%
HK$192,585
−HK$5,902/mo
Today · 4.125%
HK$198,487
baseline
▲ 0.50% · 4.625%
HK$210,565
+HK$12,078/mo
Deposit HK$27.30M · loan HK$40.95M · min. income ≈ HK$396,974/mo (50% DSR)
Upfront cash ≈ HK$30.20M (deposit + AVD stamp duty HK$2,900,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,785
−HK$11,226/mo
▼ 0.25% · 3.875%
HK$213,358
−HK$5,653/mo
Today · 4.125%
HK$219,011
baseline
▲ 0.50% · 4.625%
HK$230,556
+HK$11,545/mo
Deposit HK$27.30M · loan HK$40.95M · min. income ≈ HK$438,022/mo (50% DSR)
Upfront cash ≈ HK$30.20M (deposit + AVD stamp duty HK$2,900,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,904
−HK$13,665/mo
▼ 0.25% · 3.875%
HK$224,682
−HK$6,887/mo
Today · 4.125%
HK$231,569
baseline
▲ 0.50% · 4.625%
HK$245,659
+HK$14,090/mo
Deposit HK$20.48M · loan HK$47.78M · min. income ≈ HK$463,138/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,900,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,416
−HK$13,097/mo
▼ 0.25% · 3.875%
HK$248,918
−HK$6,595/mo
Today · 4.125%
HK$255,513
baseline
▲ 0.50% · 4.625%
HK$268,981
+HK$13,468/mo
Deposit HK$20.48M · loan HK$47.78M · min. income ≈ HK$511,026/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,900,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,162
−HK$17,569/mo
▼ 0.25% · 3.875%
HK$288,877
−HK$8,854/mo
Today · 4.125%
HK$297,731
baseline
▲ 0.50% · 4.625%
HK$315,847
+HK$18,116/mo
Deposit HK$6.83M · loan HK$61.43M · min. income ≈ HK$595,462/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,900,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,678
−HK$16,839/mo
▼ 0.25% · 3.875%
HK$320,037
−HK$8,480/mo
Today · 4.125%
HK$328,517
baseline
▲ 0.50% · 4.625%
HK$345,833
+HK$17,316/mo
Deposit HK$6.83M · loan HK$61.43M · min. income ≈ HK$657,034/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,900,965 · Scale 2, in force from 26 Feb 2026)