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$152,774
−HK$9,580/mo
▼ 0.25% · 3.875%
HK$157,526
−HK$4,828/mo
Today · 4.125%
HK$162,354
baseline
▲ 0.50% · 4.625%
HK$172,233
+HK$9,879/mo
Deposit HK$33.50M · loan HK$33.50M · min. income ≈ HK$324,708/mo (50% DSR)
Upfront cash ≈ HK$36.35M (deposit + AVD stamp duty HK$2,847,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,959
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$174,518
−HK$4,624/mo
Today · 4.125%
HK$179,142
baseline
▲ 0.50% · 4.625%
HK$188,585
+HK$9,443/mo
Deposit HK$33.50M · loan HK$33.50M · min. income ≈ HK$358,284/mo (50% DSR)
Upfront cash ≈ HK$36.35M (deposit + AVD stamp duty HK$2,847,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,329
−HK$11,496/mo
▼ 0.25% · 3.875%
HK$189,031
−HK$5,794/mo
Today · 4.125%
HK$194,825
baseline
▲ 0.50% · 4.625%
HK$206,680
+HK$11,855/mo
Deposit HK$26.80M · loan HK$40.20M · min. income ≈ HK$389,650/mo (50% DSR)
Upfront cash ≈ HK$29.65M (deposit + AVD stamp duty HK$2,847,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,951
−HK$11,019/mo
▼ 0.25% · 3.875%
HK$209,421
−HK$5,549/mo
Today · 4.125%
HK$214,970
baseline
▲ 0.50% · 4.625%
HK$226,301
+HK$11,331/mo
Deposit HK$26.80M · loan HK$40.20M · min. income ≈ HK$429,940/mo (50% DSR)
Upfront cash ≈ HK$29.65M (deposit + AVD stamp duty HK$2,847,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,883
−HK$13,413/mo
▼ 0.25% · 3.875%
HK$220,536
−HK$6,760/mo
Today · 4.125%
HK$227,296
baseline
▲ 0.50% · 4.625%
HK$241,126
+HK$13,830/mo
Deposit HK$20.10M · loan HK$46.90M · min. income ≈ HK$454,592/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$2,847,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,943
−HK$12,855/mo
▼ 0.25% · 3.875%
HK$244,325
−HK$6,473/mo
Today · 4.125%
HK$250,798
baseline
▲ 0.50% · 4.625%
HK$264,018
+HK$13,220/mo
Deposit HK$20.10M · loan HK$46.90M · min. income ≈ HK$501,596/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$2,847,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,993
−HK$17,244/mo
▼ 0.25% · 3.875%
HK$283,547
−HK$8,690/mo
Today · 4.125%
HK$292,237
baseline
▲ 0.50% · 4.625%
HK$310,019
+HK$17,782/mo
Deposit HK$6.70M · loan HK$60.30M · min. income ≈ HK$584,474/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,847,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,927
−HK$16,528/mo
▼ 0.25% · 3.875%
HK$314,132
−HK$8,323/mo
Today · 4.125%
HK$322,455
baseline
▲ 0.50% · 4.625%
HK$339,452
+HK$16,997/mo
Deposit HK$6.70M · loan HK$60.30M · min. income ≈ HK$644,910/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,847,439 · Scale 2, in force from 26 Feb 2026)