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$154,686
−HK$9,700/mo
▼ 0.25% · 3.875%
HK$159,498
−HK$4,888/mo
Today · 4.125%
HK$164,386
baseline
▲ 0.50% · 4.625%
HK$174,389
+HK$10,003/mo
Deposit HK$33.92M · loan HK$33.92M · min. income ≈ HK$328,772/mo (50% DSR)
Upfront cash ≈ HK$36.80M (deposit + AVD stamp duty HK$2,883,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,087
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$176,702
−HK$4,682/mo
Today · 4.125%
HK$181,384
baseline
▲ 0.50% · 4.625%
HK$190,945
+HK$9,561/mo
Deposit HK$33.92M · loan HK$33.92M · min. income ≈ HK$362,768/mo (50% DSR)
Upfront cash ≈ HK$36.80M (deposit + AVD stamp duty HK$2,883,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,623
−HK$11,640/mo
▼ 0.25% · 3.875%
HK$191,397
−HK$5,866/mo
Today · 4.125%
HK$197,263
baseline
▲ 0.50% · 4.625%
HK$209,266
+HK$12,003/mo
Deposit HK$27.13M · loan HK$40.70M · min. income ≈ HK$394,526/mo (50% DSR)
Upfront cash ≈ HK$30.02M (deposit + AVD stamp duty HK$2,883,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,504
−HK$11,157/mo
▼ 0.25% · 3.875%
HK$212,042
−HK$5,619/mo
Today · 4.125%
HK$217,661
baseline
▲ 0.50% · 4.625%
HK$229,134
+HK$11,473/mo
Deposit HK$27.13M · loan HK$40.70M · min. income ≈ HK$435,322/mo (50% DSR)
Upfront cash ≈ HK$30.02M (deposit + AVD stamp duty HK$2,883,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,560
−HK$13,580/mo
▼ 0.25% · 3.875%
HK$223,297
−HK$6,843/mo
Today · 4.125%
HK$230,140
baseline
▲ 0.50% · 4.625%
HK$244,144
+HK$14,004/mo
Deposit HK$20.35M · loan HK$47.49M · min. income ≈ HK$460,280/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,883,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,921
−HK$13,016/mo
▼ 0.25% · 3.875%
HK$247,382
−HK$6,555/mo
Today · 4.125%
HK$253,937
baseline
▲ 0.50% · 4.625%
HK$267,323
+HK$13,386/mo
Deposit HK$20.35M · loan HK$47.49M · min. income ≈ HK$507,874/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,883,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,435
−HK$17,460/mo
▼ 0.25% · 3.875%
HK$287,096
−HK$8,799/mo
Today · 4.125%
HK$295,895
baseline
▲ 0.50% · 4.625%
HK$313,899
+HK$18,004/mo
Deposit HK$6.78M · loan HK$61.05M · min. income ≈ HK$591,790/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,883,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,756
−HK$16,735/mo
▼ 0.25% · 3.875%
HK$318,063
−HK$8,428/mo
Today · 4.125%
HK$326,491
baseline
▲ 0.50% · 4.625%
HK$343,701
+HK$17,210/mo
Deposit HK$6.78M · loan HK$61.05M · min. income ≈ HK$652,982/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,883,076 · Scale 2, in force from 26 Feb 2026)