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$156,030
−HK$9,784/mo
▼ 0.25% · 3.875%
HK$160,883
−HK$4,931/mo
Today · 4.125%
HK$165,814
baseline
▲ 0.50% · 4.625%
HK$175,904
+HK$10,090/mo
Deposit HK$34.21M · loan HK$34.21M · min. income ≈ HK$331,628/mo (50% DSR)
Upfront cash ≈ HK$37.12M (deposit + AVD stamp duty HK$2,908,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,582
−HK$9,378/mo
▼ 0.25% · 3.875%
HK$178,237
−HK$4,723/mo
Today · 4.125%
HK$182,960
baseline
▲ 0.50% · 4.625%
HK$192,604
+HK$9,644/mo
Deposit HK$34.21M · loan HK$34.21M · min. income ≈ HK$365,920/mo (50% DSR)
Upfront cash ≈ HK$37.12M (deposit + AVD stamp duty HK$2,908,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,236
−HK$11,741/mo
▼ 0.25% · 3.875%
HK$193,060
−HK$5,917/mo
Today · 4.125%
HK$198,977
baseline
▲ 0.50% · 4.625%
HK$211,084
+HK$12,107/mo
Deposit HK$27.37M · loan HK$41.06M · min. income ≈ HK$397,954/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,908,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,298
−HK$11,254/mo
▼ 0.25% · 3.875%
HK$213,884
−HK$5,668/mo
Today · 4.125%
HK$219,552
baseline
▲ 0.50% · 4.625%
HK$231,125
+HK$11,573/mo
Deposit HK$27.37M · loan HK$41.06M · min. income ≈ HK$439,104/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,908,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,442
−HK$13,698/mo
▼ 0.25% · 3.875%
HK$225,237
−HK$6,903/mo
Today · 4.125%
HK$232,140
baseline
▲ 0.50% · 4.625%
HK$246,265
+HK$14,125/mo
Deposit HK$20.53M · loan HK$47.90M · min. income ≈ HK$464,280/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,908,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,014
−HK$13,130/mo
▼ 0.25% · 3.875%
HK$249,532
−HK$6,612/mo
Today · 4.125%
HK$256,144
baseline
▲ 0.50% · 4.625%
HK$269,645
+HK$13,501/mo
Deposit HK$20.53M · loan HK$47.90M · min. income ≈ HK$512,288/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,908,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,854
−HK$17,612/mo
▼ 0.25% · 3.875%
HK$289,590
−HK$8,876/mo
Today · 4.125%
HK$298,466
baseline
▲ 0.50% · 4.625%
HK$316,627
+HK$18,161/mo
Deposit HK$6.84M · loan HK$61.58M · min. income ≈ HK$596,932/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$2,908,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,447
−HK$16,881/mo
▼ 0.25% · 3.875%
HK$320,827
−HK$8,501/mo
Today · 4.125%
HK$329,328
baseline
▲ 0.50% · 4.625%
HK$346,687
+HK$17,359/mo
Deposit HK$6.84M · loan HK$61.58M · min. income ≈ HK$658,656/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$2,908,125 · Scale 2, in force from 26 Feb 2026)