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$158,003
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$162,918
−HK$4,993/mo
Today · 4.125%
HK$167,911
baseline
▲ 0.50% · 4.625%
HK$178,128
+HK$10,217/mo
Deposit HK$34.65M · loan HK$34.65M · min. income ≈ HK$335,822/mo (50% DSR)
Upfront cash ≈ HK$37.59M (deposit + AVD stamp duty HK$2,944,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,777
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$180,491
−HK$4,783/mo
Today · 4.125%
HK$185,274
baseline
▲ 0.50% · 4.625%
HK$195,040
+HK$9,766/mo
Deposit HK$34.65M · loan HK$34.65M · min. income ≈ HK$370,548/mo (50% DSR)
Upfront cash ≈ HK$37.59M (deposit + AVD stamp duty HK$2,944,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,604
−HK$11,890/mo
▼ 0.25% · 3.875%
HK$195,501
−HK$5,993/mo
Today · 4.125%
HK$201,494
baseline
▲ 0.50% · 4.625%
HK$213,754
+HK$12,260/mo
Deposit HK$27.72M · loan HK$41.58M · min. income ≈ HK$402,988/mo (50% DSR)
Upfront cash ≈ HK$30.66M (deposit + AVD stamp duty HK$2,944,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,932
−HK$11,396/mo
▼ 0.25% · 3.875%
HK$216,589
−HK$5,739/mo
Today · 4.125%
HK$222,328
baseline
▲ 0.50% · 4.625%
HK$234,047
+HK$11,719/mo
Deposit HK$27.72M · loan HK$41.58M · min. income ≈ HK$444,656/mo (50% DSR)
Upfront cash ≈ HK$30.66M (deposit + AVD stamp duty HK$2,944,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,204
−HK$13,872/mo
▼ 0.25% · 3.875%
HK$228,085
−HK$6,991/mo
Today · 4.125%
HK$235,076
baseline
▲ 0.50% · 4.625%
HK$249,380
+HK$14,304/mo
Deposit HK$20.79M · loan HK$48.50M · min. income ≈ HK$470,152/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,944,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,088
−HK$13,295/mo
▼ 0.25% · 3.875%
HK$252,688
−HK$6,695/mo
Today · 4.125%
HK$259,383
baseline
▲ 0.50% · 4.625%
HK$273,055
+HK$13,672/mo
Deposit HK$20.79M · loan HK$48.50M · min. income ≈ HK$518,766/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,944,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,406
−HK$17,834/mo
▼ 0.25% · 3.875%
HK$293,252
−HK$8,988/mo
Today · 4.125%
HK$302,240
baseline
▲ 0.50% · 4.625%
HK$320,631
+HK$18,391/mo
Deposit HK$6.93M · loan HK$62.36M · min. income ≈ HK$604,480/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$2,944,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,398
−HK$17,094/mo
▼ 0.25% · 3.875%
HK$324,884
−HK$8,608/mo
Today · 4.125%
HK$333,492
baseline
▲ 0.50% · 4.625%
HK$351,071
+HK$17,579/mo
Deposit HK$6.93M · loan HK$62.36M · min. income ≈ HK$666,984/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$2,944,903 · Scale 2, in force from 26 Feb 2026)