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$153,614
−HK$9,633/mo
▼ 0.25% · 3.875%
HK$158,392
−HK$4,855/mo
Today · 4.125%
HK$163,247
baseline
▲ 0.50% · 4.625%
HK$173,180
+HK$9,933/mo
Deposit HK$33.68M · loan HK$33.68M · min. income ≈ HK$326,494/mo (50% DSR)
Upfront cash ≈ HK$36.55M (deposit + AVD stamp duty HK$2,863,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,894
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$175,477
−HK$4,650/mo
Today · 4.125%
HK$180,127
baseline
▲ 0.50% · 4.625%
HK$189,622
+HK$9,495/mo
Deposit HK$33.68M · loan HK$33.68M · min. income ≈ HK$360,254/mo (50% DSR)
Upfront cash ≈ HK$36.55M (deposit + AVD stamp duty HK$2,863,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,337
−HK$11,559/mo
▼ 0.25% · 3.875%
HK$190,071
−HK$5,825/mo
Today · 4.125%
HK$195,896
baseline
▲ 0.50% · 4.625%
HK$207,816
+HK$11,920/mo
Deposit HK$26.95M · loan HK$40.42M · min. income ≈ HK$391,792/mo (50% DSR)
Upfront cash ≈ HK$29.81M (deposit + AVD stamp duty HK$2,863,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,073
−HK$11,079/mo
▼ 0.25% · 3.875%
HK$210,573
−HK$5,579/mo
Today · 4.125%
HK$216,152
baseline
▲ 0.50% · 4.625%
HK$227,546
+HK$11,394/mo
Deposit HK$26.95M · loan HK$40.42M · min. income ≈ HK$432,304/mo (50% DSR)
Upfront cash ≈ HK$29.81M (deposit + AVD stamp duty HK$2,863,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,059
−HK$13,487/mo
▼ 0.25% · 3.875%
HK$221,749
−HK$6,797/mo
Today · 4.125%
HK$228,546
baseline
▲ 0.50% · 4.625%
HK$242,452
+HK$13,906/mo
Deposit HK$20.21M · loan HK$47.16M · min. income ≈ HK$457,092/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$2,863,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,251
−HK$12,927/mo
▼ 0.25% · 3.875%
HK$245,668
−HK$6,510/mo
Today · 4.125%
HK$252,178
baseline
▲ 0.50% · 4.625%
HK$265,470
+HK$13,292/mo
Deposit HK$20.21M · loan HK$47.16M · min. income ≈ HK$504,356/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$2,863,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,505
−HK$17,339/mo
▼ 0.25% · 3.875%
HK$285,106
−HK$8,738/mo
Today · 4.125%
HK$293,844
baseline
▲ 0.50% · 4.625%
HK$311,724
+HK$17,880/mo
Deposit HK$6.74M · loan HK$60.63M · min. income ≈ HK$587,688/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$2,863,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,609
−HK$16,619/mo
▼ 0.25% · 3.875%
HK$315,859
−HK$8,369/mo
Today · 4.125%
HK$324,228
baseline
▲ 0.50% · 4.625%
HK$341,319
+HK$17,091/mo
Deposit HK$6.74M · loan HK$60.63M · min. income ≈ HK$648,456/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$2,863,095 · Scale 2, in force from 26 Feb 2026)