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$158,554
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$163,486
−HK$5,011/mo
Today · 4.125%
HK$168,497
baseline
▲ 0.50% · 4.625%
HK$178,750
+HK$10,253/mo
Deposit HK$34.77M · loan HK$34.77M · min. income ≈ HK$336,994/mo (50% DSR)
Upfront cash ≈ HK$37.72M (deposit + AVD stamp duty HK$2,955,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,390
−HK$9,530/mo
▼ 0.25% · 3.875%
HK$181,121
−HK$4,799/mo
Today · 4.125%
HK$185,920
baseline
▲ 0.50% · 4.625%
HK$195,720
+HK$9,800/mo
Deposit HK$34.77M · loan HK$34.77M · min. income ≈ HK$371,840/mo (50% DSR)
Upfront cash ≈ HK$37.72M (deposit + AVD stamp duty HK$2,955,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,265
−HK$11,931/mo
▼ 0.25% · 3.875%
HK$196,183
−HK$6,013/mo
Today · 4.125%
HK$202,196
baseline
▲ 0.50% · 4.625%
HK$214,500
+HK$12,304/mo
Deposit HK$27.81M · loan HK$41.72M · min. income ≈ HK$404,392/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,955,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,668
−HK$11,436/mo
▼ 0.25% · 3.875%
HK$217,345
−HK$5,759/mo
Today · 4.125%
HK$223,104
baseline
▲ 0.50% · 4.625%
HK$234,864
+HK$11,760/mo
Deposit HK$27.81M · loan HK$41.72M · min. income ≈ HK$446,208/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,955,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,976
−HK$13,920/mo
▼ 0.25% · 3.875%
HK$228,881
−HK$7,015/mo
Today · 4.125%
HK$235,896
baseline
▲ 0.50% · 4.625%
HK$250,249
+HK$14,353/mo
Deposit HK$20.86M · loan HK$48.67M · min. income ≈ HK$471,792/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,955,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,946
−HK$13,342/mo
▼ 0.25% · 3.875%
HK$253,569
−HK$6,719/mo
Today · 4.125%
HK$260,288
baseline
▲ 0.50% · 4.625%
HK$274,008
+HK$13,720/mo
Deposit HK$20.86M · loan HK$48.67M · min. income ≈ HK$520,576/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,955,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,398
−HK$17,897/mo
▼ 0.25% · 3.875%
HK$294,275
−HK$9,020/mo
Today · 4.125%
HK$303,295
baseline
▲ 0.50% · 4.625%
HK$321,749
+HK$18,454/mo
Deposit HK$6.95M · loan HK$62.58M · min. income ≈ HK$606,590/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,955,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,502
−HK$17,154/mo
▼ 0.25% · 3.875%
HK$326,017
−HK$8,639/mo
Today · 4.125%
HK$334,656
baseline
▲ 0.50% · 4.625%
HK$352,296
+HK$17,640/mo
Deposit HK$6.95M · loan HK$62.58M · min. income ≈ HK$669,312/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,955,175 · Scale 2, in force from 26 Feb 2026)