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$159,399
−HK$9,996/mo
▼ 0.25% · 3.875%
HK$164,357
−HK$5,038/mo
Today · 4.125%
HK$169,395
baseline
▲ 0.50% · 4.625%
HK$179,702
+HK$10,307/mo
Deposit HK$34.95M · loan HK$34.95M · min. income ≈ HK$338,790/mo (50% DSR)
Upfront cash ≈ HK$37.92M (deposit + AVD stamp duty HK$2,970,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,330
−HK$9,580/mo
▼ 0.25% · 3.875%
HK$182,086
−HK$4,824/mo
Today · 4.125%
HK$186,910
baseline
▲ 0.50% · 4.625%
HK$196,762
+HK$9,852/mo
Deposit HK$34.95M · loan HK$34.95M · min. income ≈ HK$373,820/mo (50% DSR)
Upfront cash ≈ HK$37.92M (deposit + AVD stamp duty HK$2,970,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,279
−HK$11,994/mo
▼ 0.25% · 3.875%
HK$197,228
−HK$6,045/mo
Today · 4.125%
HK$203,273
baseline
▲ 0.50% · 4.625%
HK$215,642
+HK$12,369/mo
Deposit HK$27.96M · loan HK$41.94M · min. income ≈ HK$406,546/mo (50% DSR)
Upfront cash ≈ HK$30.93M (deposit + AVD stamp duty HK$2,970,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,796
−HK$11,496/mo
▼ 0.25% · 3.875%
HK$218,503
−HK$5,789/mo
Today · 4.125%
HK$224,292
baseline
▲ 0.50% · 4.625%
HK$236,115
+HK$11,823/mo
Deposit HK$27.96M · loan HK$41.94M · min. income ≈ HK$448,584/mo (50% DSR)
Upfront cash ≈ HK$30.93M (deposit + AVD stamp duty HK$2,970,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,158
−HK$13,994/mo
▼ 0.25% · 3.875%
HK$230,100
−HK$7,052/mo
Today · 4.125%
HK$237,152
baseline
▲ 0.50% · 4.625%
HK$251,583
+HK$14,431/mo
Deposit HK$20.97M · loan HK$48.93M · min. income ≈ HK$474,304/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$2,970,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,261
−HK$13,413/mo
▼ 0.25% · 3.875%
HK$254,920
−HK$6,754/mo
Today · 4.125%
HK$261,674
baseline
▲ 0.50% · 4.625%
HK$275,467
+HK$13,793/mo
Deposit HK$20.97M · loan HK$48.93M · min. income ≈ HK$523,348/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$2,970,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,918
−HK$17,992/mo
▼ 0.25% · 3.875%
HK$295,843
−HK$9,067/mo
Today · 4.125%
HK$304,910
baseline
▲ 0.50% · 4.625%
HK$323,463
+HK$18,553/mo
Deposit HK$6.99M · loan HK$62.91M · min. income ≈ HK$609,820/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$2,970,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,193
−HK$17,245/mo
▼ 0.25% · 3.875%
HK$327,754
−HK$8,684/mo
Today · 4.125%
HK$336,438
baseline
▲ 0.50% · 4.625%
HK$354,172
+HK$17,734/mo
Deposit HK$6.99M · loan HK$62.91M · min. income ≈ HK$672,876/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$2,970,917 · Scale 2, in force from 26 Feb 2026)