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$150,328
−HK$9,427/mo
▼ 0.25% · 3.875%
HK$155,004
−HK$4,751/mo
Today · 4.125%
HK$159,755
baseline
▲ 0.50% · 4.625%
HK$169,475
+HK$9,720/mo
Deposit HK$32.96M · loan HK$32.96M · min. income ≈ HK$319,510/mo (50% DSR)
Upfront cash ≈ HK$35.76M (deposit + AVD stamp duty HK$2,801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,238
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$171,723
−HK$4,550/mo
Today · 4.125%
HK$176,273
baseline
▲ 0.50% · 4.625%
HK$185,565
+HK$9,292/mo
Deposit HK$32.96M · loan HK$32.96M · min. income ≈ HK$352,546/mo (50% DSR)
Upfront cash ≈ HK$35.76M (deposit + AVD stamp duty HK$2,801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,393
−HK$11,312/mo
▼ 0.25% · 3.875%
HK$186,004
−HK$5,701/mo
Today · 4.125%
HK$191,705
baseline
▲ 0.50% · 4.625%
HK$203,370
+HK$11,665/mo
Deposit HK$26.37M · loan HK$39.56M · min. income ≈ HK$383,410/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,686
−HK$10,842/mo
▼ 0.25% · 3.875%
HK$206,068
−HK$5,460/mo
Today · 4.125%
HK$211,528
baseline
▲ 0.50% · 4.625%
HK$222,678
+HK$11,150/mo
Deposit HK$26.37M · loan HK$39.56M · min. income ≈ HK$423,056/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,459
−HK$13,197/mo
▼ 0.25% · 3.875%
HK$217,005
−HK$6,651/mo
Today · 4.125%
HK$223,656
baseline
▲ 0.50% · 4.625%
HK$237,265
+HK$13,609/mo
Deposit HK$19.78M · loan HK$46.15M · min. income ≈ HK$447,312/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,133
−HK$12,650/mo
▼ 0.25% · 3.875%
HK$240,413
−HK$6,370/mo
Today · 4.125%
HK$246,783
baseline
▲ 0.50% · 4.625%
HK$259,791
+HK$13,008/mo
Deposit HK$19.78M · loan HK$46.15M · min. income ≈ HK$493,566/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,590
−HK$16,968/mo
▼ 0.25% · 3.875%
HK$279,007
−HK$8,551/mo
Today · 4.125%
HK$287,558
baseline
▲ 0.50% · 4.625%
HK$305,055
+HK$17,497/mo
Deposit HK$6.59M · loan HK$59.33M · min. income ≈ HK$575,116/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,801,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,028
−HK$16,264/mo
▼ 0.25% · 3.875%
HK$309,102
−HK$8,190/mo
Today · 4.125%
HK$317,292
baseline
▲ 0.50% · 4.625%
HK$334,017
+HK$16,725/mo
Deposit HK$6.59M · loan HK$59.33M · min. income ≈ HK$634,584/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,801,845 · Scale 2, in force from 26 Feb 2026)