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$159,410
−HK$9,997/mo
▼ 0.25% · 3.875%
HK$164,369
−HK$5,038/mo
Today · 4.125%
HK$169,407
baseline
▲ 0.50% · 4.625%
HK$179,715
+HK$10,308/mo
Deposit HK$34.95M · loan HK$34.95M · min. income ≈ HK$338,814/mo (50% DSR)
Upfront cash ≈ HK$37.93M (deposit + AVD stamp duty HK$2,971,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,342
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$182,099
−HK$4,825/mo
Today · 4.125%
HK$186,924
baseline
▲ 0.50% · 4.625%
HK$196,777
+HK$9,853/mo
Deposit HK$34.95M · loan HK$34.95M · min. income ≈ HK$373,848/mo (50% DSR)
Upfront cash ≈ HK$37.93M (deposit + AVD stamp duty HK$2,971,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,292
−HK$11,996/mo
▼ 0.25% · 3.875%
HK$197,243
−HK$6,045/mo
Today · 4.125%
HK$203,288
baseline
▲ 0.50% · 4.625%
HK$215,658
+HK$12,370/mo
Deposit HK$27.96M · loan HK$41.95M · min. income ≈ HK$406,576/mo (50% DSR)
Upfront cash ≈ HK$30.93M (deposit + AVD stamp duty HK$2,971,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,811
−HK$11,497/mo
▼ 0.25% · 3.875%
HK$218,518
−HK$5,790/mo
Today · 4.125%
HK$224,308
baseline
▲ 0.50% · 4.625%
HK$236,132
+HK$11,824/mo
Deposit HK$27.96M · loan HK$41.95M · min. income ≈ HK$448,616/mo (50% DSR)
Upfront cash ≈ HK$30.93M (deposit + AVD stamp duty HK$2,971,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,174
−HK$13,995/mo
▼ 0.25% · 3.875%
HK$230,116
−HK$7,053/mo
Today · 4.125%
HK$237,169
baseline
▲ 0.50% · 4.625%
HK$251,601
+HK$14,432/mo
Deposit HK$20.97M · loan HK$48.94M · min. income ≈ HK$474,338/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$2,971,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,279
−HK$13,414/mo
▼ 0.25% · 3.875%
HK$254,938
−HK$6,755/mo
Today · 4.125%
HK$261,693
baseline
▲ 0.50% · 4.625%
HK$275,487
+HK$13,794/mo
Deposit HK$20.97M · loan HK$48.94M · min. income ≈ HK$523,386/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$2,971,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,939
−HK$17,993/mo
▼ 0.25% · 3.875%
HK$295,864
−HK$9,068/mo
Today · 4.125%
HK$304,932
baseline
▲ 0.50% · 4.625%
HK$323,487
+HK$18,555/mo
Deposit HK$6.99M · loan HK$62.92M · min. income ≈ HK$609,864/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$2,971,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,216
−HK$17,247/mo
▼ 0.25% · 3.875%
HK$327,778
−HK$8,685/mo
Today · 4.125%
HK$336,463
baseline
▲ 0.50% · 4.625%
HK$354,198
+HK$17,735/mo
Deposit HK$6.99M · loan HK$62.92M · min. income ≈ HK$672,926/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$2,971,131 · Scale 2, in force from 26 Feb 2026)