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$158,570
−HK$9,944/mo
▼ 0.25% · 3.875%
HK$163,503
−HK$5,011/mo
Today · 4.125%
HK$168,514
baseline
▲ 0.50% · 4.625%
HK$178,768
+HK$10,254/mo
Deposit HK$34.77M · loan HK$34.77M · min. income ≈ HK$337,028/mo (50% DSR)
Upfront cash ≈ HK$37.73M (deposit + AVD stamp duty HK$2,955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,408
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$181,139
−HK$4,800/mo
Today · 4.125%
HK$185,939
baseline
▲ 0.50% · 4.625%
HK$195,740
+HK$9,801/mo
Deposit HK$34.77M · loan HK$34.77M · min. income ≈ HK$371,878/mo (50% DSR)
Upfront cash ≈ HK$37.73M (deposit + AVD stamp duty HK$2,955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,284
−HK$11,933/mo
▼ 0.25% · 3.875%
HK$196,203
−HK$6,014/mo
Today · 4.125%
HK$202,217
baseline
▲ 0.50% · 4.625%
HK$214,521
+HK$12,304/mo
Deposit HK$27.82M · loan HK$41.72M · min. income ≈ HK$404,434/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,689
−HK$11,437/mo
▼ 0.25% · 3.875%
HK$217,367
−HK$5,759/mo
Today · 4.125%
HK$223,126
baseline
▲ 0.50% · 4.625%
HK$234,888
+HK$11,762/mo
Deposit HK$27.82M · loan HK$41.72M · min. income ≈ HK$446,252/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,998
−HK$13,922/mo
▼ 0.25% · 3.875%
HK$228,904
−HK$7,016/mo
Today · 4.125%
HK$235,920
baseline
▲ 0.50% · 4.625%
HK$250,275
+HK$14,355/mo
Deposit HK$20.86M · loan HK$48.68M · min. income ≈ HK$471,840/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,971
−HK$13,343/mo
▼ 0.25% · 3.875%
HK$253,595
−HK$6,719/mo
Today · 4.125%
HK$260,314
baseline
▲ 0.50% · 4.625%
HK$274,036
+HK$13,722/mo
Deposit HK$20.86M · loan HK$48.68M · min. income ≈ HK$520,628/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,427
−HK$17,898/mo
▼ 0.25% · 3.875%
HK$294,305
−HK$9,020/mo
Today · 4.125%
HK$303,325
baseline
▲ 0.50% · 4.625%
HK$321,782
+HK$18,457/mo
Deposit HK$6.95M · loan HK$62.59M · min. income ≈ HK$606,650/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,955,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,534
−HK$17,156/mo
▼ 0.25% · 3.875%
HK$326,050
−HK$8,640/mo
Today · 4.125%
HK$334,690
baseline
▲ 0.50% · 4.625%
HK$352,332
+HK$17,642/mo
Deposit HK$6.95M · loan HK$62.59M · min. income ≈ HK$669,380/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,955,475 · Scale 2, in force from 26 Feb 2026)