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$154,786
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$159,601
−HK$4,892/mo
Today · 4.125%
HK$164,493
baseline
▲ 0.50% · 4.625%
HK$174,502
+HK$10,009/mo
Deposit HK$33.94M · loan HK$33.94M · min. income ≈ HK$328,986/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$2,884,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,198
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,816
−HK$4,685/mo
Today · 4.125%
HK$181,501
baseline
▲ 0.50% · 4.625%
HK$191,069
+HK$9,568/mo
Deposit HK$33.94M · loan HK$33.94M · min. income ≈ HK$363,002/mo (50% DSR)
Upfront cash ≈ HK$36.83M (deposit + AVD stamp duty HK$2,884,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,743
−HK$11,648/mo
▼ 0.25% · 3.875%
HK$191,521
−HK$5,870/mo
Today · 4.125%
HK$197,391
baseline
▲ 0.50% · 4.625%
HK$209,402
+HK$12,011/mo
Deposit HK$27.15M · loan HK$40.73M · min. income ≈ HK$394,782/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$2,884,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,638
−HK$11,164/mo
▼ 0.25% · 3.875%
HK$212,180
−HK$5,622/mo
Today · 4.125%
HK$217,802
baseline
▲ 0.50% · 4.625%
HK$229,282
+HK$11,480/mo
Deposit HK$27.15M · loan HK$40.73M · min. income ≈ HK$435,604/mo (50% DSR)
Upfront cash ≈ HK$30.04M (deposit + AVD stamp duty HK$2,884,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,701
−HK$13,589/mo
▼ 0.25% · 3.875%
HK$223,441
−HK$6,849/mo
Today · 4.125%
HK$230,290
baseline
▲ 0.50% · 4.625%
HK$244,302
+HK$14,012/mo
Deposit HK$20.36M · loan HK$47.52M · min. income ≈ HK$460,580/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,884,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,077
−HK$13,025/mo
▼ 0.25% · 3.875%
HK$247,543
−HK$6,559/mo
Today · 4.125%
HK$254,102
baseline
▲ 0.50% · 4.625%
HK$267,496
+HK$13,394/mo
Deposit HK$20.36M · loan HK$47.52M · min. income ≈ HK$508,204/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,884,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,615
−HK$17,472/mo
▼ 0.25% · 3.875%
HK$287,282
−HK$8,805/mo
Today · 4.125%
HK$296,087
baseline
▲ 0.50% · 4.625%
HK$314,103
+HK$18,016/mo
Deposit HK$6.79M · loan HK$61.09M · min. income ≈ HK$592,174/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,884,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,956
−HK$16,746/mo
▼ 0.25% · 3.875%
HK$318,269
−HK$8,433/mo
Today · 4.125%
HK$326,702
baseline
▲ 0.50% · 4.625%
HK$343,923
+HK$17,221/mo
Deposit HK$6.79M · loan HK$61.09M · min. income ≈ HK$653,404/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,884,944 · Scale 2, in force from 26 Feb 2026)