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$154,875
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$159,693
−HK$4,894/mo
Today · 4.125%
HK$164,587
baseline
▲ 0.50% · 4.625%
HK$174,602
+HK$10,015/mo
Deposit HK$33.96M · loan HK$33.96M · min. income ≈ HK$329,174/mo (50% DSR)
Upfront cash ≈ HK$36.85M (deposit + AVD stamp duty HK$2,886,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,297
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$176,918
−HK$4,688/mo
Today · 4.125%
HK$181,606
baseline
▲ 0.50% · 4.625%
HK$191,178
+HK$9,572/mo
Deposit HK$33.96M · loan HK$33.96M · min. income ≈ HK$363,212/mo (50% DSR)
Upfront cash ≈ HK$36.85M (deposit + AVD stamp duty HK$2,886,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,850
−HK$11,655/mo
▼ 0.25% · 3.875%
HK$191,631
−HK$5,874/mo
Today · 4.125%
HK$197,505
baseline
▲ 0.50% · 4.625%
HK$209,522
+HK$12,017/mo
Deposit HK$27.17M · loan HK$40.75M · min. income ≈ HK$395,010/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,886,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,756
−HK$11,171/mo
▼ 0.25% · 3.875%
HK$212,302
−HK$5,625/mo
Today · 4.125%
HK$217,927
baseline
▲ 0.50% · 4.625%
HK$229,414
+HK$11,487/mo
Deposit HK$27.17M · loan HK$40.75M · min. income ≈ HK$435,854/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,886,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,825
−HK$13,597/mo
▼ 0.25% · 3.875%
HK$223,570
−HK$6,852/mo
Today · 4.125%
HK$230,422
baseline
▲ 0.50% · 4.625%
HK$244,443
+HK$14,021/mo
Deposit HK$20.38M · loan HK$47.54M · min. income ≈ HK$460,844/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,886,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,216
−HK$13,032/mo
▼ 0.25% · 3.875%
HK$247,685
−HK$6,563/mo
Today · 4.125%
HK$254,248
baseline
▲ 0.50% · 4.625%
HK$267,650
+HK$13,402/mo
Deposit HK$20.38M · loan HK$47.54M · min. income ≈ HK$508,496/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,886,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,775
−HK$17,482/mo
▼ 0.25% · 3.875%
HK$287,447
−HK$8,810/mo
Today · 4.125%
HK$296,257
baseline
▲ 0.50% · 4.625%
HK$314,283
+HK$18,026/mo
Deposit HK$6.79M · loan HK$61.13M · min. income ≈ HK$592,514/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$2,886,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,135
−HK$16,755/mo
▼ 0.25% · 3.875%
HK$318,452
−HK$8,438/mo
Today · 4.125%
HK$326,890
baseline
▲ 0.50% · 4.625%
HK$344,121
+HK$17,231/mo
Deposit HK$6.79M · loan HK$61.13M · min. income ≈ HK$653,780/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$2,886,603 · Scale 2, in force from 26 Feb 2026)