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$153,096
−HK$9,600/mo
▼ 0.25% · 3.875%
HK$157,858
−HK$4,838/mo
Today · 4.125%
HK$162,696
baseline
▲ 0.50% · 4.625%
HK$172,596
+HK$9,900/mo
Deposit HK$33.57M · loan HK$33.57M · min. income ≈ HK$325,392/mo (50% DSR)
Upfront cash ≈ HK$36.42M (deposit + AVD stamp duty HK$2,853,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,317
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$174,885
−HK$4,634/mo
Today · 4.125%
HK$179,519
baseline
▲ 0.50% · 4.625%
HK$188,982
+HK$9,463/mo
Deposit HK$33.57M · loan HK$33.57M · min. income ≈ HK$359,038/mo (50% DSR)
Upfront cash ≈ HK$36.42M (deposit + AVD stamp duty HK$2,853,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,715
−HK$11,520/mo
▼ 0.25% · 3.875%
HK$189,429
−HK$5,806/mo
Today · 4.125%
HK$195,235
baseline
▲ 0.50% · 4.625%
HK$207,115
+HK$11,880/mo
Deposit HK$26.86M · loan HK$40.28M · min. income ≈ HK$390,470/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$2,853,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,381
−HK$11,042/mo
▼ 0.25% · 3.875%
HK$209,862
−HK$5,561/mo
Today · 4.125%
HK$215,423
baseline
▲ 0.50% · 4.625%
HK$226,778
+HK$11,355/mo
Deposit HK$26.86M · loan HK$40.28M · min. income ≈ HK$430,846/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$2,853,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,334
−HK$13,441/mo
▼ 0.25% · 3.875%
HK$221,001
−HK$6,774/mo
Today · 4.125%
HK$227,775
baseline
▲ 0.50% · 4.625%
HK$241,634
+HK$13,859/mo
Deposit HK$20.14M · loan HK$47.00M · min. income ≈ HK$455,550/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$2,853,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,444
−HK$12,883/mo
▼ 0.25% · 3.875%
HK$244,839
−HK$6,488/mo
Today · 4.125%
HK$251,327
baseline
▲ 0.50% · 4.625%
HK$264,575
+HK$13,248/mo
Deposit HK$20.14M · loan HK$47.00M · min. income ≈ HK$502,654/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$2,853,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,572
−HK$17,281/mo
▼ 0.25% · 3.875%
HK$284,144
−HK$8,709/mo
Today · 4.125%
HK$292,853
baseline
▲ 0.50% · 4.625%
HK$310,672
+HK$17,819/mo
Deposit HK$6.71M · loan HK$60.43M · min. income ≈ HK$585,706/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,853,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,571
−HK$16,563/mo
▼ 0.25% · 3.875%
HK$314,793
−HK$8,341/mo
Today · 4.125%
HK$323,134
baseline
▲ 0.50% · 4.625%
HK$340,167
+HK$17,033/mo
Deposit HK$6.71M · loan HK$60.43M · min. income ≈ HK$646,268/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,853,436 · Scale 2, in force from 26 Feb 2026)