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$149,524
−HK$9,376/mo
▼ 0.25% · 3.875%
HK$154,175
−HK$4,725/mo
Today · 4.125%
HK$158,900
baseline
▲ 0.50% · 4.625%
HK$168,569
+HK$9,669/mo
Deposit HK$32.79M · loan HK$32.79M · min. income ≈ HK$317,800/mo (50% DSR)
Upfront cash ≈ HK$35.57M (deposit + AVD stamp duty HK$2,786,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,343
−HK$8,988/mo
▼ 0.25% · 3.875%
HK$170,805
−HK$4,526/mo
Today · 4.125%
HK$175,331
baseline
▲ 0.50% · 4.625%
HK$184,572
+HK$9,241/mo
Deposit HK$32.79M · loan HK$32.79M · min. income ≈ HK$350,662/mo (50% DSR)
Upfront cash ≈ HK$35.57M (deposit + AVD stamp duty HK$2,786,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,428
−HK$11,252/mo
▼ 0.25% · 3.875%
HK$185,010
−HK$5,670/mo
Today · 4.125%
HK$190,680
baseline
▲ 0.50% · 4.625%
HK$202,282
+HK$11,602/mo
Deposit HK$26.23M · loan HK$39.34M · min. income ≈ HK$381,360/mo (50% DSR)
Upfront cash ≈ HK$29.02M (deposit + AVD stamp duty HK$2,786,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,612
−HK$10,785/mo
▼ 0.25% · 3.875%
HK$204,966
−HK$5,431/mo
Today · 4.125%
HK$210,397
baseline
▲ 0.50% · 4.625%
HK$221,487
+HK$11,090/mo
Deposit HK$26.23M · loan HK$39.34M · min. income ≈ HK$420,794/mo (50% DSR)
Upfront cash ≈ HK$29.02M (deposit + AVD stamp duty HK$2,786,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,333
−HK$13,127/mo
▼ 0.25% · 3.875%
HK$215,844
−HK$6,616/mo
Today · 4.125%
HK$222,460
baseline
▲ 0.50% · 4.625%
HK$235,996
+HK$13,536/mo
Deposit HK$19.67M · loan HK$45.90M · min. income ≈ HK$444,920/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,786,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,881
−HK$12,582/mo
▼ 0.25% · 3.875%
HK$239,127
−HK$6,336/mo
Today · 4.125%
HK$245,463
baseline
▲ 0.50% · 4.625%
HK$258,401
+HK$12,938/mo
Deposit HK$19.67M · loan HK$45.90M · min. income ≈ HK$490,926/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,786,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,142
−HK$16,878/mo
▼ 0.25% · 3.875%
HK$277,514
−HK$8,506/mo
Today · 4.125%
HK$286,020
baseline
▲ 0.50% · 4.625%
HK$303,424
+HK$17,404/mo
Deposit HK$6.56M · loan HK$59.02M · min. income ≈ HK$572,040/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,786,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,418
−HK$16,177/mo
▼ 0.25% · 3.875%
HK$307,449
−HK$8,146/mo
Today · 4.125%
HK$315,595
baseline
▲ 0.50% · 4.625%
HK$332,230
+HK$16,635/mo
Deposit HK$6.56M · loan HK$59.02M · min. income ≈ HK$631,190/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,786,859 · Scale 2, in force from 26 Feb 2026)