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$155,709
−HK$9,764/mo
▼ 0.25% · 3.875%
HK$160,552
−HK$4,921/mo
Today · 4.125%
HK$165,473
baseline
▲ 0.50% · 4.625%
HK$175,542
+HK$10,069/mo
Deposit HK$34.14M · loan HK$34.14M · min. income ≈ HK$330,946/mo (50% DSR)
Upfront cash ≈ HK$37.04M (deposit + AVD stamp duty HK$2,902,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,224
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$177,870
−HK$4,713/mo
Today · 4.125%
HK$182,583
baseline
▲ 0.50% · 4.625%
HK$192,207
+HK$9,624/mo
Deposit HK$34.14M · loan HK$34.14M · min. income ≈ HK$365,166/mo (50% DSR)
Upfront cash ≈ HK$37.04M (deposit + AVD stamp duty HK$2,902,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,850
−HK$11,718/mo
▼ 0.25% · 3.875%
HK$192,662
−HK$5,906/mo
Today · 4.125%
HK$198,568
baseline
▲ 0.50% · 4.625%
HK$210,650
+HK$12,082/mo
Deposit HK$27.31M · loan HK$40.97M · min. income ≈ HK$397,136/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,902,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,869
−HK$11,231/mo
▼ 0.25% · 3.875%
HK$213,444
−HK$5,656/mo
Today · 4.125%
HK$219,100
baseline
▲ 0.50% · 4.625%
HK$230,649
+HK$11,549/mo
Deposit HK$27.31M · loan HK$40.97M · min. income ≈ HK$438,200/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,902,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,992
−HK$13,670/mo
▼ 0.25% · 3.875%
HK$224,773
−HK$6,889/mo
Today · 4.125%
HK$231,662
baseline
▲ 0.50% · 4.625%
HK$245,758
+HK$14,096/mo
Deposit HK$20.49M · loan HK$47.80M · min. income ≈ HK$463,324/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,902,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,514
−HK$13,102/mo
▼ 0.25% · 3.875%
HK$249,018
−HK$6,598/mo
Today · 4.125%
HK$255,616
baseline
▲ 0.50% · 4.625%
HK$269,090
+HK$13,474/mo
Deposit HK$20.49M · loan HK$47.80M · min. income ≈ HK$511,232/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,902,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,276
−HK$17,575/mo
▼ 0.25% · 3.875%
HK$288,994
−HK$8,857/mo
Today · 4.125%
HK$297,851
baseline
▲ 0.50% · 4.625%
HK$315,975
+HK$18,124/mo
Deposit HK$6.83M · loan HK$61.46M · min. income ≈ HK$595,702/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,902,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,804
−HK$16,846/mo
▼ 0.25% · 3.875%
HK$320,166
−HK$8,484/mo
Today · 4.125%
HK$328,650
baseline
▲ 0.50% · 4.625%
HK$345,973
+HK$17,323/mo
Deposit HK$6.83M · loan HK$61.46M · min. income ≈ HK$657,300/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,902,138 · Scale 2, in force from 26 Feb 2026)