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$156,024
−HK$9,784/mo
▼ 0.25% · 3.875%
HK$160,878
−HK$4,930/mo
Today · 4.125%
HK$165,808
baseline
▲ 0.50% · 4.625%
HK$175,897
+HK$10,089/mo
Deposit HK$34.21M · loan HK$34.21M · min. income ≈ HK$331,616/mo (50% DSR)
Upfront cash ≈ HK$37.12M (deposit + AVD stamp duty HK$2,908,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,575
−HK$9,378/mo
▼ 0.25% · 3.875%
HK$178,231
−HK$4,722/mo
Today · 4.125%
HK$182,953
baseline
▲ 0.50% · 4.625%
HK$192,597
+HK$9,644/mo
Deposit HK$34.21M · loan HK$34.21M · min. income ≈ HK$365,906/mo (50% DSR)
Upfront cash ≈ HK$37.12M (deposit + AVD stamp duty HK$2,908,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,229
−HK$11,741/mo
▼ 0.25% · 3.875%
HK$193,053
−HK$5,917/mo
Today · 4.125%
HK$198,970
baseline
▲ 0.50% · 4.625%
HK$211,077
+HK$12,107/mo
Deposit HK$27.37M · loan HK$41.05M · min. income ≈ HK$397,940/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,908,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,291
−HK$11,253/mo
▼ 0.25% · 3.875%
HK$213,877
−HK$5,667/mo
Today · 4.125%
HK$219,544
baseline
▲ 0.50% · 4.625%
HK$231,116
+HK$11,572/mo
Deposit HK$27.37M · loan HK$41.05M · min. income ≈ HK$439,088/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,908,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,434
−HK$13,698/mo
▼ 0.25% · 3.875%
HK$225,229
−HK$6,903/mo
Today · 4.125%
HK$232,132
baseline
▲ 0.50% · 4.625%
HK$246,256
+HK$14,124/mo
Deposit HK$20.53M · loan HK$47.90M · min. income ≈ HK$464,264/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,908,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,006
−HK$13,128/mo
▼ 0.25% · 3.875%
HK$249,523
−HK$6,611/mo
Today · 4.125%
HK$256,134
baseline
▲ 0.50% · 4.625%
HK$269,636
+HK$13,502/mo
Deposit HK$20.53M · loan HK$47.90M · min. income ≈ HK$512,268/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,908,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,844
−HK$17,611/mo
▼ 0.25% · 3.875%
HK$289,580
−HK$8,875/mo
Today · 4.125%
HK$298,455
baseline
▲ 0.50% · 4.625%
HK$316,615
+HK$18,160/mo
Deposit HK$6.84M · loan HK$61.58M · min. income ≈ HK$596,910/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$2,908,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,436
−HK$16,880/mo
▼ 0.25% · 3.875%
HK$320,815
−HK$8,501/mo
Today · 4.125%
HK$329,316
baseline
▲ 0.50% · 4.625%
HK$346,674
+HK$17,358/mo
Deposit HK$6.84M · loan HK$61.58M · min. income ≈ HK$658,632/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$2,908,021 · Scale 2, in force from 26 Feb 2026)