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$151,208
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$155,911
−HK$4,779/mo
Today · 4.125%
HK$160,690
baseline
▲ 0.50% · 4.625%
HK$170,467
+HK$9,777/mo
Deposit HK$33.16M · loan HK$33.16M · min. income ≈ HK$321,380/mo (50% DSR)
Upfront cash ≈ HK$35.97M (deposit + AVD stamp duty HK$2,818,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,217
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$172,729
−HK$4,576/mo
Today · 4.125%
HK$177,305
baseline
▲ 0.50% · 4.625%
HK$186,651
+HK$9,346/mo
Deposit HK$33.16M · loan HK$33.16M · min. income ≈ HK$354,610/mo (50% DSR)
Upfront cash ≈ HK$35.97M (deposit + AVD stamp duty HK$2,818,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,449
−HK$11,379/mo
▼ 0.25% · 3.875%
HK$187,093
−HK$5,735/mo
Today · 4.125%
HK$192,828
baseline
▲ 0.50% · 4.625%
HK$204,561
+HK$11,733/mo
Deposit HK$26.52M · loan HK$39.79M · min. income ≈ HK$385,656/mo (50% DSR)
Upfront cash ≈ HK$29.34M (deposit + AVD stamp duty HK$2,818,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,860
−HK$10,906/mo
▼ 0.25% · 3.875%
HK$207,274
−HK$5,492/mo
Today · 4.125%
HK$212,766
baseline
▲ 0.50% · 4.625%
HK$223,982
+HK$11,216/mo
Deposit HK$26.52M · loan HK$39.79M · min. income ≈ HK$425,532/mo (50% DSR)
Upfront cash ≈ HK$29.34M (deposit + AVD stamp duty HK$2,818,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,691
−HK$13,275/mo
▼ 0.25% · 3.875%
HK$218,276
−HK$6,690/mo
Today · 4.125%
HK$224,966
baseline
▲ 0.50% · 4.625%
HK$238,654
+HK$13,688/mo
Deposit HK$19.89M · loan HK$46.42M · min. income ≈ HK$449,932/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,818,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,504
−HK$12,723/mo
▼ 0.25% · 3.875%
HK$241,820
−HK$6,407/mo
Today · 4.125%
HK$248,227
baseline
▲ 0.50% · 4.625%
HK$261,312
+HK$13,085/mo
Deposit HK$19.89M · loan HK$46.42M · min. income ≈ HK$496,454/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$2,818,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,174
−HK$17,068/mo
▼ 0.25% · 3.875%
HK$280,640
−HK$8,602/mo
Today · 4.125%
HK$289,242
baseline
▲ 0.50% · 4.625%
HK$306,841
+HK$17,599/mo
Deposit HK$6.63M · loan HK$59.68M · min. income ≈ HK$578,484/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$2,818,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,791
−HK$16,359/mo
▼ 0.25% · 3.875%
HK$310,911
−HK$8,239/mo
Today · 4.125%
HK$319,150
baseline
▲ 0.50% · 4.625%
HK$335,972
+HK$16,822/mo
Deposit HK$6.63M · loan HK$59.68M · min. income ≈ HK$638,300/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$2,818,248 · Scale 2, in force from 26 Feb 2026)