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$148,617
−HK$9,320/mo
▼ 0.25% · 3.875%
HK$153,240
−HK$4,697/mo
Today · 4.125%
HK$157,937
baseline
▲ 0.50% · 4.625%
HK$167,547
+HK$9,610/mo
Deposit HK$32.59M · loan HK$32.59M · min. income ≈ HK$315,874/mo (50% DSR)
Upfront cash ≈ HK$35.36M (deposit + AVD stamp duty HK$2,769,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,335
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$169,770
−HK$4,498/mo
Today · 4.125%
HK$174,268
baseline
▲ 0.50% · 4.625%
HK$183,454
+HK$9,186/mo
Deposit HK$32.59M · loan HK$32.59M · min. income ≈ HK$348,536/mo (50% DSR)
Upfront cash ≈ HK$35.36M (deposit + AVD stamp duty HK$2,769,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,341
−HK$11,183/mo
▼ 0.25% · 3.875%
HK$183,888
−HK$5,636/mo
Today · 4.125%
HK$189,524
baseline
▲ 0.50% · 4.625%
HK$201,057
+HK$11,533/mo
Deposit HK$26.07M · loan HK$39.11M · min. income ≈ HK$379,048/mo (50% DSR)
Upfront cash ≈ HK$28.84M (deposit + AVD stamp duty HK$2,769,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,402
−HK$10,720/mo
▼ 0.25% · 3.875%
HK$203,724
−HK$5,398/mo
Today · 4.125%
HK$209,122
baseline
▲ 0.50% · 4.625%
HK$220,145
+HK$11,023/mo
Deposit HK$26.07M · loan HK$39.11M · min. income ≈ HK$418,244/mo (50% DSR)
Upfront cash ≈ HK$28.84M (deposit + AVD stamp duty HK$2,769,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,064
−HK$13,048/mo
▼ 0.25% · 3.875%
HK$214,536
−HK$6,576/mo
Today · 4.125%
HK$221,112
baseline
▲ 0.50% · 4.625%
HK$234,566
+HK$13,454/mo
Deposit HK$19.55M · loan HK$45.62M · min. income ≈ HK$442,224/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$2,769,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,470
−HK$12,505/mo
▼ 0.25% · 3.875%
HK$237,677
−HK$6,298/mo
Today · 4.125%
HK$243,975
baseline
▲ 0.50% · 4.625%
HK$256,835
+HK$12,860/mo
Deposit HK$19.55M · loan HK$45.62M · min. income ≈ HK$487,950/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$2,769,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,511
−HK$16,776/mo
▼ 0.25% · 3.875%
HK$275,832
−HK$8,455/mo
Today · 4.125%
HK$284,287
baseline
▲ 0.50% · 4.625%
HK$301,585
+HK$17,298/mo
Deposit HK$6.52M · loan HK$58.66M · min. income ≈ HK$568,574/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$2,769,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,604
−HK$16,078/mo
▼ 0.25% · 3.875%
HK$305,585
−HK$8,097/mo
Today · 4.125%
HK$313,682
baseline
▲ 0.50% · 4.625%
HK$330,217
+HK$16,535/mo
Deposit HK$6.52M · loan HK$58.66M · min. income ≈ HK$627,364/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$2,769,970 · Scale 2, in force from 26 Feb 2026)