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$154,803
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$159,618
−HK$4,892/mo
Today · 4.125%
HK$164,510
baseline
▲ 0.50% · 4.625%
HK$174,520
+HK$10,010/mo
Deposit HK$33.94M · loan HK$33.94M · min. income ≈ HK$329,020/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$2,885,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,217
−HK$9,304/mo
▼ 0.25% · 3.875%
HK$176,835
−HK$4,686/mo
Today · 4.125%
HK$181,521
baseline
▲ 0.50% · 4.625%
HK$191,089
+HK$9,568/mo
Deposit HK$33.94M · loan HK$33.94M · min. income ≈ HK$363,042/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$2,885,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,763
−HK$11,649/mo
▼ 0.25% · 3.875%
HK$191,542
−HK$5,870/mo
Today · 4.125%
HK$197,412
baseline
▲ 0.50% · 4.625%
HK$209,425
+HK$12,013/mo
Deposit HK$27.16M · loan HK$40.73M · min. income ≈ HK$394,824/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$2,885,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,660
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$212,202
−HK$5,623/mo
Today · 4.125%
HK$217,825
baseline
▲ 0.50% · 4.625%
HK$229,307
+HK$11,482/mo
Deposit HK$27.16M · loan HK$40.73M · min. income ≈ HK$435,650/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$2,885,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,724
−HK$13,591/mo
▼ 0.25% · 3.875%
HK$223,465
−HK$6,850/mo
Today · 4.125%
HK$230,315
baseline
▲ 0.50% · 4.625%
HK$244,329
+HK$14,014/mo
Deposit HK$20.37M · loan HK$47.52M · min. income ≈ HK$460,630/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,885,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,103
−HK$13,026/mo
▼ 0.25% · 3.875%
HK$247,570
−HK$6,559/mo
Today · 4.125%
HK$254,129
baseline
▲ 0.50% · 4.625%
HK$267,525
+HK$13,396/mo
Deposit HK$20.37M · loan HK$47.52M · min. income ≈ HK$508,258/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,885,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,645
−HK$17,474/mo
▼ 0.25% · 3.875%
HK$287,313
−HK$8,806/mo
Today · 4.125%
HK$296,119
baseline
▲ 0.50% · 4.625%
HK$314,137
+HK$18,018/mo
Deposit HK$6.79M · loan HK$61.10M · min. income ≈ HK$592,238/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,885,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,990
−HK$16,748/mo
▼ 0.25% · 3.875%
HK$318,304
−HK$8,434/mo
Today · 4.125%
HK$326,738
baseline
▲ 0.50% · 4.625%
HK$343,961
+HK$17,223/mo
Deposit HK$6.79M · loan HK$61.10M · min. income ≈ HK$653,476/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,885,256 · Scale 2, in force from 26 Feb 2026)