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$151,768
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$156,489
−HK$4,796/mo
Today · 4.125%
HK$161,285
baseline
▲ 0.50% · 4.625%
HK$171,099
+HK$9,814/mo
Deposit HK$33.28M · loan HK$33.28M · min. income ≈ HK$322,570/mo (50% DSR)
Upfront cash ≈ HK$36.11M (deposit + AVD stamp duty HK$2,828,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,840
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$173,369
−HK$4,593/mo
Today · 4.125%
HK$177,962
baseline
▲ 0.50% · 4.625%
HK$187,343
+HK$9,381/mo
Deposit HK$33.28M · loan HK$33.28M · min. income ≈ HK$355,924/mo (50% DSR)
Upfront cash ≈ HK$36.11M (deposit + AVD stamp duty HK$2,828,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,122
−HK$11,420/mo
▼ 0.25% · 3.875%
HK$187,787
−HK$5,755/mo
Today · 4.125%
HK$193,542
baseline
▲ 0.50% · 4.625%
HK$205,319
+HK$11,777/mo
Deposit HK$26.62M · loan HK$39.93M · min. income ≈ HK$387,084/mo (50% DSR)
Upfront cash ≈ HK$29.45M (deposit + AVD stamp duty HK$2,828,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,608
−HK$10,947/mo
▼ 0.25% · 3.875%
HK$208,042
−HK$5,513/mo
Today · 4.125%
HK$213,555
baseline
▲ 0.50% · 4.625%
HK$224,811
+HK$11,256/mo
Deposit HK$26.62M · loan HK$39.93M · min. income ≈ HK$427,110/mo (50% DSR)
Upfront cash ≈ HK$29.45M (deposit + AVD stamp duty HK$2,828,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,475
−HK$13,324/mo
▼ 0.25% · 3.875%
HK$219,084
−HK$6,715/mo
Today · 4.125%
HK$225,799
baseline
▲ 0.50% · 4.625%
HK$239,539
+HK$13,740/mo
Deposit HK$19.97M · loan HK$46.59M · min. income ≈ HK$451,598/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$2,828,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,376
−HK$12,771/mo
▼ 0.25% · 3.875%
HK$242,716
−HK$6,431/mo
Today · 4.125%
HK$249,147
baseline
▲ 0.50% · 4.625%
HK$262,280
+HK$13,133/mo
Deposit HK$19.97M · loan HK$46.59M · min. income ≈ HK$498,294/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$2,828,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,182
−HK$17,131/mo
▼ 0.25% · 3.875%
HK$281,680
−HK$8,633/mo
Today · 4.125%
HK$290,313
baseline
▲ 0.50% · 4.625%
HK$307,978
+HK$17,665/mo
Deposit HK$6.66M · loan HK$59.90M · min. income ≈ HK$580,626/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$2,828,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,913
−HK$16,419/mo
▼ 0.25% · 3.875%
HK$312,063
−HK$8,269/mo
Today · 4.125%
HK$320,332
baseline
▲ 0.50% · 4.625%
HK$337,217
+HK$16,885/mo
Deposit HK$6.66M · loan HK$59.90M · min. income ≈ HK$640,664/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$2,828,690 · Scale 2, in force from 26 Feb 2026)