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$154,185
−HK$9,669/mo
▼ 0.25% · 3.875%
HK$158,981
−HK$4,873/mo
Today · 4.125%
HK$163,854
baseline
▲ 0.50% · 4.625%
HK$173,824
+HK$9,970/mo
Deposit HK$33.81M · loan HK$33.81M · min. income ≈ HK$327,708/mo (50% DSR)
Upfront cash ≈ HK$36.68M (deposit + AVD stamp duty HK$2,873,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,530
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$176,130
−HK$4,667/mo
Today · 4.125%
HK$180,797
baseline
▲ 0.50% · 4.625%
HK$190,327
+HK$9,530/mo
Deposit HK$33.81M · loan HK$33.81M · min. income ≈ HK$361,594/mo (50% DSR)
Upfront cash ≈ HK$36.68M (deposit + AVD stamp duty HK$2,873,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,023
−HK$11,602/mo
▼ 0.25% · 3.875%
HK$190,778
−HK$5,847/mo
Today · 4.125%
HK$196,625
baseline
▲ 0.50% · 4.625%
HK$208,589
+HK$11,964/mo
Deposit HK$27.05M · loan HK$40.57M · min. income ≈ HK$393,250/mo (50% DSR)
Upfront cash ≈ HK$29.92M (deposit + AVD stamp duty HK$2,873,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,836
−HK$11,120/mo
▼ 0.25% · 3.875%
HK$211,356
−HK$5,600/mo
Today · 4.125%
HK$216,956
baseline
▲ 0.50% · 4.625%
HK$228,392
+HK$11,436/mo
Deposit HK$27.05M · loan HK$40.57M · min. income ≈ HK$433,912/mo (50% DSR)
Upfront cash ≈ HK$29.92M (deposit + AVD stamp duty HK$2,873,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,860
−HK$13,536/mo
▼ 0.25% · 3.875%
HK$222,574
−HK$6,822/mo
Today · 4.125%
HK$229,396
baseline
▲ 0.50% · 4.625%
HK$243,354
+HK$13,958/mo
Deposit HK$20.29M · loan HK$47.33M · min. income ≈ HK$458,792/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$2,873,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,142
−HK$12,974/mo
▼ 0.25% · 3.875%
HK$246,582
−HK$6,534/mo
Today · 4.125%
HK$253,116
baseline
▲ 0.50% · 4.625%
HK$266,458
+HK$13,342/mo
Deposit HK$20.29M · loan HK$47.33M · min. income ≈ HK$506,232/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$2,873,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,534
−HK$17,404/mo
▼ 0.25% · 3.875%
HK$286,167
−HK$8,771/mo
Today · 4.125%
HK$294,938
baseline
▲ 0.50% · 4.625%
HK$312,884
+HK$17,946/mo
Deposit HK$6.76M · loan HK$60.86M · min. income ≈ HK$589,876/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,873,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,754
−HK$16,681/mo
▼ 0.25% · 3.875%
HK$317,034
−HK$8,401/mo
Today · 4.125%
HK$325,435
baseline
▲ 0.50% · 4.625%
HK$342,589
+HK$17,154/mo
Deposit HK$6.76M · loan HK$60.86M · min. income ≈ HK$650,870/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,873,748 · Scale 2, in force from 26 Feb 2026)