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$153,361
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,131
−HK$4,847/mo
Today · 4.125%
HK$162,978
baseline
▲ 0.50% · 4.625%
HK$172,895
+HK$9,917/mo
Deposit HK$33.63M · loan HK$33.63M · min. income ≈ HK$325,956/mo (50% DSR)
Upfront cash ≈ HK$36.49M (deposit + AVD stamp duty HK$2,858,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,612
−HK$9,218/mo
▼ 0.25% · 3.875%
HK$175,188
−HK$4,642/mo
Today · 4.125%
HK$179,830
baseline
▲ 0.50% · 4.625%
HK$189,309
+HK$9,479/mo
Deposit HK$33.63M · loan HK$33.63M · min. income ≈ HK$359,660/mo (50% DSR)
Upfront cash ≈ HK$36.49M (deposit + AVD stamp duty HK$2,858,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,033
−HK$11,540/mo
▼ 0.25% · 3.875%
HK$189,757
−HK$5,816/mo
Today · 4.125%
HK$195,573
baseline
▲ 0.50% · 4.625%
HK$207,474
+HK$11,901/mo
Deposit HK$26.90M · loan HK$40.35M · min. income ≈ HK$391,146/mo (50% DSR)
Upfront cash ≈ HK$29.76M (deposit + AVD stamp duty HK$2,858,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,735
−HK$11,061/mo
▼ 0.25% · 3.875%
HK$210,226
−HK$5,570/mo
Today · 4.125%
HK$215,796
baseline
▲ 0.50% · 4.625%
HK$227,171
+HK$11,375/mo
Deposit HK$26.90M · loan HK$40.35M · min. income ≈ HK$431,592/mo (50% DSR)
Upfront cash ≈ HK$29.76M (deposit + AVD stamp duty HK$2,858,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,705
−HK$13,464/mo
▼ 0.25% · 3.875%
HK$221,384
−HK$6,785/mo
Today · 4.125%
HK$228,169
baseline
▲ 0.50% · 4.625%
HK$242,052
+HK$13,883/mo
Deposit HK$20.18M · loan HK$47.08M · min. income ≈ HK$456,338/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,858,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,857
−HK$12,905/mo
▼ 0.25% · 3.875%
HK$245,263
−HK$6,499/mo
Today · 4.125%
HK$251,762
baseline
▲ 0.50% · 4.625%
HK$265,033
+HK$13,271/mo
Deposit HK$20.18M · loan HK$47.08M · min. income ≈ HK$503,524/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,858,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,049
−HK$17,311/mo
▼ 0.25% · 3.875%
HK$284,636
−HK$8,724/mo
Today · 4.125%
HK$293,360
baseline
▲ 0.50% · 4.625%
HK$311,210
+HK$17,850/mo
Deposit HK$6.73M · loan HK$60.53M · min. income ≈ HK$586,720/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$2,858,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,102
−HK$16,592/mo
▼ 0.25% · 3.875%
HK$315,338
−HK$8,356/mo
Today · 4.125%
HK$323,694
baseline
▲ 0.50% · 4.625%
HK$340,756
+HK$17,062/mo
Deposit HK$6.73M · loan HK$60.53M · min. income ≈ HK$647,388/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$2,858,377 · Scale 2, in force from 26 Feb 2026)