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$156,126
−HK$9,790/mo
▼ 0.25% · 3.875%
HK$160,982
−HK$4,934/mo
Today · 4.125%
HK$165,916
baseline
▲ 0.50% · 4.625%
HK$176,012
+HK$10,096/mo
Deposit HK$34.23M · loan HK$34.23M · min. income ≈ HK$331,832/mo (50% DSR)
Upfront cash ≈ HK$37.14M (deposit + AVD stamp duty HK$2,909,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,689
−HK$9,383/mo
▼ 0.25% · 3.875%
HK$178,347
−HK$4,725/mo
Today · 4.125%
HK$183,072
baseline
▲ 0.50% · 4.625%
HK$192,722
+HK$9,650/mo
Deposit HK$34.23M · loan HK$34.23M · min. income ≈ HK$366,144/mo (50% DSR)
Upfront cash ≈ HK$37.14M (deposit + AVD stamp duty HK$2,909,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,351
−HK$11,749/mo
▼ 0.25% · 3.875%
HK$193,179
−HK$5,921/mo
Today · 4.125%
HK$199,100
baseline
▲ 0.50% · 4.625%
HK$211,214
+HK$12,114/mo
Deposit HK$27.39M · loan HK$41.08M · min. income ≈ HK$398,200/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$2,909,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,426
−HK$11,261/mo
▼ 0.25% · 3.875%
HK$214,016
−HK$5,671/mo
Today · 4.125%
HK$219,687
baseline
▲ 0.50% · 4.625%
HK$231,267
+HK$11,580/mo
Deposit HK$27.39M · loan HK$41.08M · min. income ≈ HK$439,374/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$2,909,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,576
−HK$13,707/mo
▼ 0.25% · 3.875%
HK$225,375
−HK$6,908/mo
Today · 4.125%
HK$232,283
baseline
▲ 0.50% · 4.625%
HK$246,417
+HK$14,134/mo
Deposit HK$20.54M · loan HK$47.93M · min. income ≈ HK$464,566/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$2,909,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,164
−HK$13,137/mo
▼ 0.25% · 3.875%
HK$249,686
−HK$6,615/mo
Today · 4.125%
HK$256,301
baseline
▲ 0.50% · 4.625%
HK$269,811
+HK$13,510/mo
Deposit HK$20.54M · loan HK$47.93M · min. income ≈ HK$512,602/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$2,909,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,027
−HK$17,623/mo
▼ 0.25% · 3.875%
HK$289,768
−HK$8,882/mo
Today · 4.125%
HK$298,650
baseline
▲ 0.50% · 4.625%
HK$316,822
+HK$18,172/mo
Deposit HK$6.85M · loan HK$61.62M · min. income ≈ HK$597,300/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,909,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,639
−HK$16,891/mo
▼ 0.25% · 3.875%
HK$321,024
−HK$8,506/mo
Today · 4.125%
HK$329,530
baseline
▲ 0.50% · 4.625%
HK$346,900
+HK$17,370/mo
Deposit HK$6.85M · loan HK$61.62M · min. income ≈ HK$659,060/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,909,916 · Scale 2, in force from 26 Feb 2026)