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$151,499
−HK$9,501/mo
▼ 0.25% · 3.875%
HK$156,212
−HK$4,788/mo
Today · 4.125%
HK$161,000
baseline
▲ 0.50% · 4.625%
HK$170,796
+HK$9,796/mo
Deposit HK$33.22M · loan HK$33.22M · min. income ≈ HK$322,000/mo (50% DSR)
Upfront cash ≈ HK$36.04M (deposit + AVD stamp duty HK$2,823,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,542
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$173,062
−HK$4,585/mo
Today · 4.125%
HK$177,647
baseline
▲ 0.50% · 4.625%
HK$187,011
+HK$9,364/mo
Deposit HK$33.22M · loan HK$33.22M · min. income ≈ HK$355,294/mo (50% DSR)
Upfront cash ≈ HK$36.04M (deposit + AVD stamp duty HK$2,823,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,799
−HK$11,401/mo
▼ 0.25% · 3.875%
HK$187,454
−HK$5,746/mo
Today · 4.125%
HK$193,200
baseline
▲ 0.50% · 4.625%
HK$204,955
+HK$11,755/mo
Deposit HK$26.58M · loan HK$39.86M · min. income ≈ HK$386,400/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$2,823,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,250
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$207,674
−HK$5,503/mo
Today · 4.125%
HK$213,177
baseline
▲ 0.50% · 4.625%
HK$224,414
+HK$11,237/mo
Deposit HK$26.58M · loan HK$39.86M · min. income ≈ HK$426,354/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$2,823,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,099
−HK$13,301/mo
▼ 0.25% · 3.875%
HK$218,697
−HK$6,703/mo
Today · 4.125%
HK$225,400
baseline
▲ 0.50% · 4.625%
HK$239,115
+HK$13,715/mo
Deposit HK$19.93M · loan HK$46.51M · min. income ≈ HK$450,800/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,823,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,958
−HK$12,748/mo
▼ 0.25% · 3.875%
HK$242,287
−HK$6,419/mo
Today · 4.125%
HK$248,706
baseline
▲ 0.50% · 4.625%
HK$261,816
+HK$13,110/mo
Deposit HK$19.93M · loan HK$46.51M · min. income ≈ HK$497,412/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,823,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,699
−HK$17,101/mo
▼ 0.25% · 3.875%
HK$281,181
−HK$8,619/mo
Today · 4.125%
HK$289,800
baseline
▲ 0.50% · 4.625%
HK$307,433
+HK$17,633/mo
Deposit HK$6.64M · loan HK$59.80M · min. income ≈ HK$579,600/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$2,823,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,375
−HK$16,390/mo
▼ 0.25% · 3.875%
HK$311,511
−HK$8,254/mo
Today · 4.125%
HK$319,765
baseline
▲ 0.50% · 4.625%
HK$336,621
+HK$16,856/mo
Deposit HK$6.64M · loan HK$59.80M · min. income ≈ HK$639,530/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$2,823,685 · Scale 2, in force from 26 Feb 2026)