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$154,282
−HK$9,675/mo
▼ 0.25% · 3.875%
HK$159,081
−HK$4,876/mo
Today · 4.125%
HK$163,957
baseline
▲ 0.50% · 4.625%
HK$173,933
+HK$9,976/mo
Deposit HK$33.83M · loan HK$33.83M · min. income ≈ HK$327,914/mo (50% DSR)
Upfront cash ≈ HK$36.71M (deposit + AVD stamp duty HK$2,875,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,637
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$176,240
−HK$4,670/mo
Today · 4.125%
HK$180,910
baseline
▲ 0.50% · 4.625%
HK$190,446
+HK$9,536/mo
Deposit HK$33.83M · loan HK$33.83M · min. income ≈ HK$361,820/mo (50% DSR)
Upfront cash ≈ HK$36.71M (deposit + AVD stamp duty HK$2,875,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,138
−HK$11,610/mo
▼ 0.25% · 3.875%
HK$190,897
−HK$5,851/mo
Today · 4.125%
HK$196,748
baseline
▲ 0.50% · 4.625%
HK$208,720
+HK$11,972/mo
Deposit HK$27.06M · loan HK$40.60M · min. income ≈ HK$393,496/mo (50% DSR)
Upfront cash ≈ HK$29.94M (deposit + AVD stamp duty HK$2,875,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,964
−HK$11,128/mo
▼ 0.25% · 3.875%
HK$211,488
−HK$5,604/mo
Today · 4.125%
HK$217,092
baseline
▲ 0.50% · 4.625%
HK$228,535
+HK$11,443/mo
Deposit HK$27.06M · loan HK$40.60M · min. income ≈ HK$434,184/mo (50% DSR)
Upfront cash ≈ HK$29.94M (deposit + AVD stamp duty HK$2,875,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,994
−HK$13,545/mo
▼ 0.25% · 3.875%
HK$222,713
−HK$6,826/mo
Today · 4.125%
HK$229,539
baseline
▲ 0.50% · 4.625%
HK$243,506
+HK$13,967/mo
Deposit HK$20.30M · loan HK$47.36M · min. income ≈ HK$459,078/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,875,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,292
−HK$12,982/mo
▼ 0.25% · 3.875%
HK$246,736
−HK$6,538/mo
Today · 4.125%
HK$253,274
baseline
▲ 0.50% · 4.625%
HK$266,624
+HK$13,350/mo
Deposit HK$20.30M · loan HK$47.36M · min. income ≈ HK$506,548/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,875,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,707
−HK$17,415/mo
▼ 0.25% · 3.875%
HK$286,345
−HK$8,777/mo
Today · 4.125%
HK$295,122
baseline
▲ 0.50% · 4.625%
HK$313,079
+HK$17,957/mo
Deposit HK$6.77M · loan HK$60.89M · min. income ≈ HK$590,244/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,875,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,946
−HK$16,692/mo
▼ 0.25% · 3.875%
HK$317,232
−HK$8,406/mo
Today · 4.125%
HK$325,638
baseline
▲ 0.50% · 4.625%
HK$342,803
+HK$17,165/mo
Deposit HK$6.77M · loan HK$60.89M · min. income ≈ HK$651,276/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,875,543 · Scale 2, in force from 26 Feb 2026)