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$150,155
−HK$9,416/mo
▼ 0.25% · 3.875%
HK$154,825
−HK$4,746/mo
Today · 4.125%
HK$159,571
baseline
▲ 0.50% · 4.625%
HK$169,280
+HK$9,709/mo
Deposit HK$32.92M · loan HK$32.92M · min. income ≈ HK$319,142/mo (50% DSR)
Upfront cash ≈ HK$35.72M (deposit + AVD stamp duty HK$2,798,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,045
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$171,525
−HK$4,545/mo
Today · 4.125%
HK$176,070
baseline
▲ 0.50% · 4.625%
HK$185,351
+HK$9,281/mo
Deposit HK$32.92M · loan HK$32.92M · min. income ≈ HK$352,140/mo (50% DSR)
Upfront cash ≈ HK$35.72M (deposit + AVD stamp duty HK$2,798,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,185
−HK$11,300/mo
▼ 0.25% · 3.875%
HK$185,790
−HK$5,695/mo
Today · 4.125%
HK$191,485
baseline
▲ 0.50% · 4.625%
HK$203,136
+HK$11,651/mo
Deposit HK$26.34M · loan HK$39.51M · min. income ≈ HK$382,970/mo (50% DSR)
Upfront cash ≈ HK$29.14M (deposit + AVD stamp duty HK$2,798,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,455
−HK$10,829/mo
▼ 0.25% · 3.875%
HK$205,831
−HK$5,453/mo
Today · 4.125%
HK$211,284
baseline
▲ 0.50% · 4.625%
HK$222,422
+HK$11,138/mo
Deposit HK$26.34M · loan HK$39.51M · min. income ≈ HK$422,568/mo (50% DSR)
Upfront cash ≈ HK$29.14M (deposit + AVD stamp duty HK$2,798,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,216
−HK$13,183/mo
▼ 0.25% · 3.875%
HK$216,755
−HK$6,644/mo
Today · 4.125%
HK$223,399
baseline
▲ 0.50% · 4.625%
HK$236,992
+HK$13,593/mo
Deposit HK$19.75M · loan HK$46.09M · min. income ≈ HK$446,798/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,798,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,864
−HK$12,635/mo
▼ 0.25% · 3.875%
HK$240,136
−HK$6,363/mo
Today · 4.125%
HK$246,499
baseline
▲ 0.50% · 4.625%
HK$259,492
+HK$12,993/mo
Deposit HK$19.75M · loan HK$46.09M · min. income ≈ HK$492,998/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,798,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,278
−HK$16,949/mo
▼ 0.25% · 3.875%
HK$278,685
−HK$8,542/mo
Today · 4.125%
HK$287,227
baseline
▲ 0.50% · 4.625%
HK$304,704
+HK$17,477/mo
Deposit HK$6.58M · loan HK$59.26M · min. income ≈ HK$574,454/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$2,798,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,682
−HK$16,245/mo
▼ 0.25% · 3.875%
HK$308,746
−HK$8,181/mo
Today · 4.125%
HK$316,927
baseline
▲ 0.50% · 4.625%
HK$333,632
+HK$16,705/mo
Deposit HK$6.58M · loan HK$59.26M · min. income ≈ HK$633,854/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$2,798,619 · Scale 2, in force from 26 Feb 2026)