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$159,041
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$163,988
−HK$5,027/mo
Today · 4.125%
HK$169,015
baseline
▲ 0.50% · 4.625%
HK$179,299
+HK$10,284/mo
Deposit HK$34.87M · loan HK$34.87M · min. income ≈ HK$338,030/mo (50% DSR)
Upfront cash ≈ HK$37.84M (deposit + AVD stamp duty HK$2,964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,932
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$181,677
−HK$4,814/mo
Today · 4.125%
HK$186,491
baseline
▲ 0.50% · 4.625%
HK$196,321
+HK$9,830/mo
Deposit HK$34.87M · loan HK$34.87M · min. income ≈ HK$372,982/mo (50% DSR)
Upfront cash ≈ HK$37.84M (deposit + AVD stamp duty HK$2,964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,850
−HK$11,968/mo
▼ 0.25% · 3.875%
HK$196,786
−HK$6,032/mo
Today · 4.125%
HK$202,818
baseline
▲ 0.50% · 4.625%
HK$215,158
+HK$12,340/mo
Deposit HK$27.90M · loan HK$41.85M · min. income ≈ HK$405,636/mo (50% DSR)
Upfront cash ≈ HK$30.86M (deposit + AVD stamp duty HK$2,964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,318
−HK$11,471/mo
▼ 0.25% · 3.875%
HK$218,012
−HK$5,777/mo
Today · 4.125%
HK$223,789
baseline
▲ 0.50% · 4.625%
HK$235,585
+HK$11,796/mo
Deposit HK$27.90M · loan HK$41.85M · min. income ≈ HK$447,578/mo (50% DSR)
Upfront cash ≈ HK$30.86M (deposit + AVD stamp duty HK$2,964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,658
−HK$13,962/mo
▼ 0.25% · 3.875%
HK$229,584
−HK$7,036/mo
Today · 4.125%
HK$236,620
baseline
▲ 0.50% · 4.625%
HK$251,018
+HK$14,398/mo
Deposit HK$20.92M · loan HK$48.82M · min. income ≈ HK$473,240/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,705
−HK$13,382/mo
▼ 0.25% · 3.875%
HK$254,348
−HK$6,739/mo
Today · 4.125%
HK$261,087
baseline
▲ 0.50% · 4.625%
HK$274,850
+HK$13,763/mo
Deposit HK$20.92M · loan HK$48.82M · min. income ≈ HK$522,174/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,274
−HK$17,952/mo
▼ 0.25% · 3.875%
HK$295,179
−HK$9,047/mo
Today · 4.125%
HK$304,226
baseline
▲ 0.50% · 4.625%
HK$322,738
+HK$18,512/mo
Deposit HK$6.97M · loan HK$62.77M · min. income ≈ HK$608,452/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,477
−HK$17,207/mo
▼ 0.25% · 3.875%
HK$327,019
−HK$8,665/mo
Today · 4.125%
HK$335,684
baseline
▲ 0.50% · 4.625%
HK$353,378
+HK$17,694/mo
Deposit HK$6.97M · loan HK$62.77M · min. income ≈ HK$671,368/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,253 · Scale 2, in force from 26 Feb 2026)