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$153,483
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$158,257
−HK$4,851/mo
Today · 4.125%
HK$163,108
baseline
▲ 0.50% · 4.625%
HK$173,033
+HK$9,925/mo
Deposit HK$33.65M · loan HK$33.65M · min. income ≈ HK$326,216/mo (50% DSR)
Upfront cash ≈ HK$36.52M (deposit + AVD stamp duty HK$2,860,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,749
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$175,328
−HK$4,646/mo
Today · 4.125%
HK$179,974
baseline
▲ 0.50% · 4.625%
HK$189,460
+HK$9,486/mo
Deposit HK$33.65M · loan HK$33.65M · min. income ≈ HK$359,948/mo (50% DSR)
Upfront cash ≈ HK$36.52M (deposit + AVD stamp duty HK$2,860,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,180
−HK$11,550/mo
▼ 0.25% · 3.875%
HK$189,909
−HK$5,821/mo
Today · 4.125%
HK$195,730
baseline
▲ 0.50% · 4.625%
HK$207,639
+HK$11,909/mo
Deposit HK$26.92M · loan HK$40.39M · min. income ≈ HK$391,460/mo (50% DSR)
Upfront cash ≈ HK$29.78M (deposit + AVD stamp duty HK$2,860,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,898
−HK$11,070/mo
▼ 0.25% · 3.875%
HK$210,394
−HK$5,574/mo
Today · 4.125%
HK$215,968
baseline
▲ 0.50% · 4.625%
HK$227,352
+HK$11,384/mo
Deposit HK$26.92M · loan HK$40.39M · min. income ≈ HK$431,936/mo (50% DSR)
Upfront cash ≈ HK$29.78M (deposit + AVD stamp duty HK$2,860,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,877
−HK$13,474/mo
▼ 0.25% · 3.875%
HK$221,560
−HK$6,791/mo
Today · 4.125%
HK$228,351
baseline
▲ 0.50% · 4.625%
HK$242,246
+HK$13,895/mo
Deposit HK$20.19M · loan HK$47.12M · min. income ≈ HK$456,702/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,860,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,048
−HK$12,915/mo
▼ 0.25% · 3.875%
HK$245,459
−HK$6,504/mo
Today · 4.125%
HK$251,963
baseline
▲ 0.50% · 4.625%
HK$265,244
+HK$13,281/mo
Deposit HK$20.19M · loan HK$47.12M · min. income ≈ HK$503,926/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,860,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,270
−HK$17,324/mo
▼ 0.25% · 3.875%
HK$284,863
−HK$8,731/mo
Today · 4.125%
HK$293,594
baseline
▲ 0.50% · 4.625%
HK$311,459
+HK$17,865/mo
Deposit HK$6.73M · loan HK$60.58M · min. income ≈ HK$587,188/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$2,860,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,347
−HK$16,605/mo
▼ 0.25% · 3.875%
HK$315,590
−HK$8,362/mo
Today · 4.125%
HK$323,952
baseline
▲ 0.50% · 4.625%
HK$341,028
+HK$17,076/mo
Deposit HK$6.73M · loan HK$60.58M · min. income ≈ HK$647,904/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$2,860,660 · Scale 2, in force from 26 Feb 2026)