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$156,993
−HK$9,845/mo
▼ 0.25% · 3.875%
HK$161,877
−HK$4,961/mo
Today · 4.125%
HK$166,838
baseline
▲ 0.50% · 4.625%
HK$176,990
+HK$10,152/mo
Deposit HK$34.42M · loan HK$34.42M · min. income ≈ HK$333,676/mo (50% DSR)
Upfront cash ≈ HK$37.35M (deposit + AVD stamp duty HK$2,926,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,654
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$179,338
−HK$4,752/mo
Today · 4.125%
HK$184,090
baseline
▲ 0.50% · 4.625%
HK$193,793
+HK$9,703/mo
Deposit HK$34.42M · loan HK$34.42M · min. income ≈ HK$368,180/mo (50% DSR)
Upfront cash ≈ HK$37.35M (deposit + AVD stamp duty HK$2,926,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,392
−HK$11,814/mo
▼ 0.25% · 3.875%
HK$194,252
−HK$5,954/mo
Today · 4.125%
HK$200,206
baseline
▲ 0.50% · 4.625%
HK$212,388
+HK$12,182/mo
Deposit HK$27.54M · loan HK$41.31M · min. income ≈ HK$400,412/mo (50% DSR)
Upfront cash ≈ HK$30.47M (deposit + AVD stamp duty HK$2,926,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,584
−HK$11,324/mo
▼ 0.25% · 3.875%
HK$215,205
−HK$5,703/mo
Today · 4.125%
HK$220,908
baseline
▲ 0.50% · 4.625%
HK$232,552
+HK$11,644/mo
Deposit HK$27.54M · loan HK$41.31M · min. income ≈ HK$441,816/mo (50% DSR)
Upfront cash ≈ HK$30.47M (deposit + AVD stamp duty HK$2,926,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,791
−HK$13,783/mo
▼ 0.25% · 3.875%
HK$226,628
−HK$6,946/mo
Today · 4.125%
HK$233,574
baseline
▲ 0.50% · 4.625%
HK$247,786
+HK$14,212/mo
Deposit HK$20.65M · loan HK$48.19M · min. income ≈ HK$467,148/mo (50% DSR)
Upfront cash ≈ HK$23.58M (deposit + AVD stamp duty HK$2,926,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,515
−HK$13,211/mo
▼ 0.25% · 3.875%
HK$251,073
−HK$6,653/mo
Today · 4.125%
HK$257,726
baseline
▲ 0.50% · 4.625%
HK$271,311
+HK$13,585/mo
Deposit HK$20.65M · loan HK$48.19M · min. income ≈ HK$515,452/mo (50% DSR)
Upfront cash ≈ HK$23.58M (deposit + AVD stamp duty HK$2,926,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,588
−HK$17,721/mo
▼ 0.25% · 3.875%
HK$291,378
−HK$8,931/mo
Today · 4.125%
HK$300,309
baseline
▲ 0.50% · 4.625%
HK$318,582
+HK$18,273/mo
Deposit HK$6.88M · loan HK$61.96M · min. income ≈ HK$600,618/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$2,926,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,377
−HK$16,984/mo
▼ 0.25% · 3.875%
HK$322,808
−HK$8,553/mo
Today · 4.125%
HK$331,361
baseline
▲ 0.50% · 4.625%
HK$348,828
+HK$17,467/mo
Deposit HK$6.88M · loan HK$61.96M · min. income ≈ HK$662,722/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$2,926,085 · Scale 2, in force from 26 Feb 2026)