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$153,256
−HK$9,610/mo
▼ 0.25% · 3.875%
HK$158,023
−HK$4,843/mo
Today · 4.125%
HK$162,866
baseline
▲ 0.50% · 4.625%
HK$172,776
+HK$9,910/mo
Deposit HK$33.60M · loan HK$33.60M · min. income ≈ HK$325,732/mo (50% DSR)
Upfront cash ≈ HK$36.46M (deposit + AVD stamp duty HK$2,856,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,496
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$175,068
−HK$4,639/mo
Today · 4.125%
HK$179,707
baseline
▲ 0.50% · 4.625%
HK$189,179
+HK$9,472/mo
Deposit HK$33.60M · loan HK$33.60M · min. income ≈ HK$359,414/mo (50% DSR)
Upfront cash ≈ HK$36.46M (deposit + AVD stamp duty HK$2,856,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,907
−HK$11,533/mo
▼ 0.25% · 3.875%
HK$189,628
−HK$5,812/mo
Today · 4.125%
HK$195,440
baseline
▲ 0.50% · 4.625%
HK$207,332
+HK$11,892/mo
Deposit HK$26.88M · loan HK$40.33M · min. income ≈ HK$390,880/mo (50% DSR)
Upfront cash ≈ HK$29.74M (deposit + AVD stamp duty HK$2,856,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,595
−HK$11,053/mo
▼ 0.25% · 3.875%
HK$210,082
−HK$5,566/mo
Today · 4.125%
HK$215,648
baseline
▲ 0.50% · 4.625%
HK$227,015
+HK$11,367/mo
Deposit HK$26.88M · loan HK$40.33M · min. income ≈ HK$431,296/mo (50% DSR)
Upfront cash ≈ HK$29.74M (deposit + AVD stamp duty HK$2,856,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,558
−HK$13,455/mo
▼ 0.25% · 3.875%
HK$221,232
−HK$6,781/mo
Today · 4.125%
HK$228,013
baseline
▲ 0.50% · 4.625%
HK$241,887
+HK$13,874/mo
Deposit HK$20.16M · loan HK$47.05M · min. income ≈ HK$456,026/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$2,856,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,694
−HK$12,896/mo
▼ 0.25% · 3.875%
HK$245,095
−HK$6,495/mo
Today · 4.125%
HK$251,590
baseline
▲ 0.50% · 4.625%
HK$264,851
+HK$13,261/mo
Deposit HK$20.16M · loan HK$47.05M · min. income ≈ HK$503,180/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$2,856,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,860
−HK$17,299/mo
▼ 0.25% · 3.875%
HK$284,441
−HK$8,718/mo
Today · 4.125%
HK$293,159
baseline
▲ 0.50% · 4.625%
HK$310,997
+HK$17,838/mo
Deposit HK$6.72M · loan HK$60.49M · min. income ≈ HK$586,318/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$2,856,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,892
−HK$16,580/mo
▼ 0.25% · 3.875%
HK$315,123
−HK$8,349/mo
Today · 4.125%
HK$323,472
baseline
▲ 0.50% · 4.625%
HK$340,523
+HK$17,051/mo
Deposit HK$6.72M · loan HK$60.49M · min. income ≈ HK$646,944/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$2,856,421 · Scale 2, in force from 26 Feb 2026)