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$152,752
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$157,503
−HK$4,828/mo
Today · 4.125%
HK$162,331
baseline
▲ 0.50% · 4.625%
HK$172,208
+HK$9,877/mo
Deposit HK$33.49M · loan HK$33.49M · min. income ≈ HK$324,662/mo (50% DSR)
Upfront cash ≈ HK$36.34M (deposit + AVD stamp duty HK$2,847,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,935
−HK$9,181/mo
▼ 0.25% · 3.875%
HK$174,493
−HK$4,623/mo
Today · 4.125%
HK$179,116
baseline
▲ 0.50% · 4.625%
HK$188,558
+HK$9,442/mo
Deposit HK$33.49M · loan HK$33.49M · min. income ≈ HK$358,232/mo (50% DSR)
Upfront cash ≈ HK$36.34M (deposit + AVD stamp duty HK$2,847,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,302
−HK$11,495/mo
▼ 0.25% · 3.875%
HK$189,004
−HK$5,793/mo
Today · 4.125%
HK$194,797
baseline
▲ 0.50% · 4.625%
HK$206,650
+HK$11,853/mo
Deposit HK$26.80M · loan HK$40.19M · min. income ≈ HK$389,594/mo (50% DSR)
Upfront cash ≈ HK$29.64M (deposit + AVD stamp duty HK$2,847,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,922
−HK$11,017/mo
▼ 0.25% · 3.875%
HK$209,391
−HK$5,548/mo
Today · 4.125%
HK$214,939
baseline
▲ 0.50% · 4.625%
HK$226,269
+HK$11,330/mo
Deposit HK$26.80M · loan HK$40.19M · min. income ≈ HK$429,878/mo (50% DSR)
Upfront cash ≈ HK$29.64M (deposit + AVD stamp duty HK$2,847,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,853
−HK$13,410/mo
▼ 0.25% · 3.875%
HK$220,505
−HK$6,758/mo
Today · 4.125%
HK$227,263
baseline
▲ 0.50% · 4.625%
HK$241,092
+HK$13,829/mo
Deposit HK$20.10M · loan HK$46.89M · min. income ≈ HK$454,526/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,847,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,909
−HK$12,854/mo
▼ 0.25% · 3.875%
HK$244,290
−HK$6,473/mo
Today · 4.125%
HK$250,763
baseline
▲ 0.50% · 4.625%
HK$263,981
+HK$13,218/mo
Deposit HK$20.10M · loan HK$46.89M · min. income ≈ HK$501,526/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,847,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,954
−HK$17,242/mo
▼ 0.25% · 3.875%
HK$283,506
−HK$8,690/mo
Today · 4.125%
HK$292,196
baseline
▲ 0.50% · 4.625%
HK$309,975
+HK$17,779/mo
Deposit HK$6.70M · loan HK$60.29M · min. income ≈ HK$584,392/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,847,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,883
−HK$16,526/mo
▼ 0.25% · 3.875%
HK$314,087
−HK$8,322/mo
Today · 4.125%
HK$322,409
baseline
▲ 0.50% · 4.625%
HK$339,404
+HK$16,995/mo
Deposit HK$6.70M · loan HK$60.29M · min. income ≈ HK$644,818/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,847,030 · Scale 2, in force from 26 Feb 2026)