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$153,698
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$158,479
−HK$4,858/mo
Today · 4.125%
HK$163,337
baseline
▲ 0.50% · 4.625%
HK$173,275
+HK$9,938/mo
Deposit HK$33.70M · loan HK$33.70M · min. income ≈ HK$326,674/mo (50% DSR)
Upfront cash ≈ HK$36.57M (deposit + AVD stamp duty HK$2,864,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,988
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$175,574
−HK$4,652/mo
Today · 4.125%
HK$180,226
baseline
▲ 0.50% · 4.625%
HK$189,726
+HK$9,500/mo
Deposit HK$33.70M · loan HK$33.70M · min. income ≈ HK$360,452/mo (50% DSR)
Upfront cash ≈ HK$36.57M (deposit + AVD stamp duty HK$2,864,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,438
−HK$11,566/mo
▼ 0.25% · 3.875%
HK$190,175
−HK$5,829/mo
Today · 4.125%
HK$196,004
baseline
▲ 0.50% · 4.625%
HK$207,930
+HK$11,926/mo
Deposit HK$26.96M · loan HK$40.44M · min. income ≈ HK$392,008/mo (50% DSR)
Upfront cash ≈ HK$29.83M (deposit + AVD stamp duty HK$2,864,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,185
−HK$11,086/mo
▼ 0.25% · 3.875%
HK$210,688
−HK$5,583/mo
Today · 4.125%
HK$216,271
baseline
▲ 0.50% · 4.625%
HK$227,671
+HK$11,400/mo
Deposit HK$26.96M · loan HK$40.44M · min. income ≈ HK$432,542/mo (50% DSR)
Upfront cash ≈ HK$29.83M (deposit + AVD stamp duty HK$2,864,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,178
−HK$13,493/mo
▼ 0.25% · 3.875%
HK$221,871
−HK$6,800/mo
Today · 4.125%
HK$228,671
baseline
▲ 0.50% · 4.625%
HK$242,585
+HK$13,914/mo
Deposit HK$20.22M · loan HK$47.18M · min. income ≈ HK$457,342/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$2,864,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,383
−HK$12,933/mo
▼ 0.25% · 3.875%
HK$245,803
−HK$6,513/mo
Today · 4.125%
HK$252,316
baseline
▲ 0.50% · 4.625%
HK$265,616
+HK$13,300/mo
Deposit HK$20.22M · loan HK$47.18M · min. income ≈ HK$504,632/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$2,864,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,657
−HK$17,349/mo
▼ 0.25% · 3.875%
HK$285,263
−HK$8,743/mo
Today · 4.125%
HK$294,006
baseline
▲ 0.50% · 4.625%
HK$311,895
+HK$17,889/mo
Deposit HK$6.74M · loan HK$60.66M · min. income ≈ HK$588,012/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$2,864,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,778
−HK$16,628/mo
▼ 0.25% · 3.875%
HK$316,033
−HK$8,373/mo
Today · 4.125%
HK$324,406
baseline
▲ 0.50% · 4.625%
HK$341,506
+HK$17,100/mo
Deposit HK$6.74M · loan HK$60.66M · min. income ≈ HK$648,812/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$2,864,669 · Scale 2, in force from 26 Feb 2026)