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$152,218
−HK$9,546/mo
▼ 0.25% · 3.875%
HK$156,953
−HK$4,811/mo
Today · 4.125%
HK$161,764
baseline
▲ 0.50% · 4.625%
HK$171,607
+HK$9,843/mo
Deposit HK$33.38M · loan HK$33.38M · min. income ≈ HK$323,528/mo (50% DSR)
Upfront cash ≈ HK$36.21M (deposit + AVD stamp duty HK$2,837,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,341
−HK$9,149/mo
▼ 0.25% · 3.875%
HK$173,883
−HK$4,607/mo
Today · 4.125%
HK$178,490
baseline
▲ 0.50% · 4.625%
HK$187,899
+HK$9,409/mo
Deposit HK$33.38M · loan HK$33.38M · min. income ≈ HK$356,980/mo (50% DSR)
Upfront cash ≈ HK$36.21M (deposit + AVD stamp duty HK$2,837,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,662
−HK$11,454/mo
▼ 0.25% · 3.875%
HK$188,344
−HK$5,772/mo
Today · 4.125%
HK$194,116
baseline
▲ 0.50% · 4.625%
HK$205,928
+HK$11,812/mo
Deposit HK$26.70M · loan HK$40.05M · min. income ≈ HK$388,232/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,837,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,209
−HK$10,979/mo
▼ 0.25% · 3.875%
HK$208,659
−HK$5,529/mo
Today · 4.125%
HK$214,188
baseline
▲ 0.50% · 4.625%
HK$225,478
+HK$11,290/mo
Deposit HK$26.70M · loan HK$40.05M · min. income ≈ HK$428,376/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,837,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,105
−HK$13,364/mo
▼ 0.25% · 3.875%
HK$219,734
−HK$6,735/mo
Today · 4.125%
HK$226,469
baseline
▲ 0.50% · 4.625%
HK$240,249
+HK$13,780/mo
Deposit HK$20.03M · loan HK$46.73M · min. income ≈ HK$452,938/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,837,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,078
−HK$12,808/mo
▼ 0.25% · 3.875%
HK$243,436
−HK$6,450/mo
Today · 4.125%
HK$249,886
baseline
▲ 0.50% · 4.625%
HK$263,058
+HK$13,172/mo
Deposit HK$20.03M · loan HK$46.73M · min. income ≈ HK$499,772/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$2,837,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,993
−HK$17,182/mo
▼ 0.25% · 3.875%
HK$282,515
−HK$8,660/mo
Today · 4.125%
HK$291,175
baseline
▲ 0.50% · 4.625%
HK$308,892
+HK$17,717/mo
Deposit HK$6.68M · loan HK$60.08M · min. income ≈ HK$582,350/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,837,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,814
−HK$16,468/mo
▼ 0.25% · 3.875%
HK$312,989
−HK$8,293/mo
Today · 4.125%
HK$321,282
baseline
▲ 0.50% · 4.625%
HK$338,218
+HK$16,936/mo
Deposit HK$6.68M · loan HK$60.08M · min. income ≈ HK$642,564/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,837,082 · Scale 2, in force from 26 Feb 2026)