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$159,176
−HK$9,982/mo
▼ 0.25% · 3.875%
HK$164,128
−HK$5,030/mo
Today · 4.125%
HK$169,158
baseline
▲ 0.50% · 4.625%
HK$179,451
+HK$10,293/mo
Deposit HK$34.90M · loan HK$34.90M · min. income ≈ HK$338,316/mo (50% DSR)
Upfront cash ≈ HK$37.87M (deposit + AVD stamp duty HK$2,966,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,082
−HK$9,567/mo
▼ 0.25% · 3.875%
HK$181,831
−HK$4,818/mo
Today · 4.125%
HK$186,649
baseline
▲ 0.50% · 4.625%
HK$196,488
+HK$9,839/mo
Deposit HK$34.90M · loan HK$34.90M · min. income ≈ HK$373,298/mo (50% DSR)
Upfront cash ≈ HK$37.87M (deposit + AVD stamp duty HK$2,966,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,012
−HK$11,978/mo
▼ 0.25% · 3.875%
HK$196,953
−HK$6,037/mo
Today · 4.125%
HK$202,990
baseline
▲ 0.50% · 4.625%
HK$215,341
+HK$12,351/mo
Deposit HK$27.92M · loan HK$41.88M · min. income ≈ HK$405,980/mo (50% DSR)
Upfront cash ≈ HK$30.89M (deposit + AVD stamp duty HK$2,966,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,499
−HK$11,480/mo
▼ 0.25% · 3.875%
HK$218,198
−HK$5,781/mo
Today · 4.125%
HK$223,979
baseline
▲ 0.50% · 4.625%
HK$235,786
+HK$11,807/mo
Deposit HK$27.92M · loan HK$41.88M · min. income ≈ HK$447,958/mo (50% DSR)
Upfront cash ≈ HK$30.89M (deposit + AVD stamp duty HK$2,966,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,847
−HK$13,975/mo
▼ 0.25% · 3.875%
HK$229,779
−HK$7,043/mo
Today · 4.125%
HK$236,822
baseline
▲ 0.50% · 4.625%
HK$251,232
+HK$14,410/mo
Deposit HK$20.94M · loan HK$48.86M · min. income ≈ HK$473,644/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$2,966,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,915
−HK$13,394/mo
▼ 0.25% · 3.875%
HK$254,564
−HK$6,745/mo
Today · 4.125%
HK$261,309
baseline
▲ 0.50% · 4.625%
HK$275,083
+HK$13,774/mo
Deposit HK$20.94M · loan HK$48.86M · min. income ≈ HK$522,618/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$2,966,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,518
−HK$17,967/mo
▼ 0.25% · 3.875%
HK$295,430
−HK$9,055/mo
Today · 4.125%
HK$304,485
baseline
▲ 0.50% · 4.625%
HK$323,012
+HK$18,527/mo
Deposit HK$6.98M · loan HK$62.83M · min. income ≈ HK$608,970/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$2,966,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,748
−HK$17,221/mo
▼ 0.25% · 3.875%
HK$327,297
−HK$8,672/mo
Today · 4.125%
HK$335,969
baseline
▲ 0.50% · 4.625%
HK$353,678
+HK$17,709/mo
Deposit HK$6.98M · loan HK$62.83M · min. income ≈ HK$671,938/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$2,966,772 · Scale 2, in force from 26 Feb 2026)