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$152,266
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$157,002
−HK$4,812/mo
Today · 4.125%
HK$161,814
baseline
▲ 0.50% · 4.625%
HK$171,660
+HK$9,846/mo
Deposit HK$33.39M · loan HK$33.39M · min. income ≈ HK$323,628/mo (50% DSR)
Upfront cash ≈ HK$36.23M (deposit + AVD stamp duty HK$2,837,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,394
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,937
−HK$4,609/mo
Today · 4.125%
HK$178,546
baseline
▲ 0.50% · 4.625%
HK$187,958
+HK$9,412/mo
Deposit HK$33.39M · loan HK$33.39M · min. income ≈ HK$357,092/mo (50% DSR)
Upfront cash ≈ HK$36.23M (deposit + AVD stamp duty HK$2,837,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,719
−HK$11,458/mo
▼ 0.25% · 3.875%
HK$188,403
−HK$5,774/mo
Today · 4.125%
HK$194,177
baseline
▲ 0.50% · 4.625%
HK$205,992
+HK$11,815/mo
Deposit HK$26.71M · loan HK$40.07M · min. income ≈ HK$388,354/mo (50% DSR)
Upfront cash ≈ HK$29.55M (deposit + AVD stamp duty HK$2,837,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,273
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$208,725
−HK$5,530/mo
Today · 4.125%
HK$214,255
baseline
▲ 0.50% · 4.625%
HK$225,549
+HK$11,294/mo
Deposit HK$26.71M · loan HK$40.07M · min. income ≈ HK$428,510/mo (50% DSR)
Upfront cash ≈ HK$29.55M (deposit + AVD stamp duty HK$2,837,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,172
−HK$13,368/mo
▼ 0.25% · 3.875%
HK$219,803
−HK$6,737/mo
Today · 4.125%
HK$226,540
baseline
▲ 0.50% · 4.625%
HK$240,325
+HK$13,785/mo
Deposit HK$20.03M · loan HK$46.74M · min. income ≈ HK$453,080/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,837,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,152
−HK$12,813/mo
▼ 0.25% · 3.875%
HK$243,512
−HK$6,453/mo
Today · 4.125%
HK$249,965
baseline
▲ 0.50% · 4.625%
HK$263,141
+HK$13,176/mo
Deposit HK$20.03M · loan HK$46.74M · min. income ≈ HK$499,930/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,837,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,079
−HK$17,187/mo
▼ 0.25% · 3.875%
HK$282,604
−HK$8,662/mo
Today · 4.125%
HK$291,266
baseline
▲ 0.50% · 4.625%
HK$308,989
+HK$17,723/mo
Deposit HK$6.68M · loan HK$60.10M · min. income ≈ HK$582,532/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$2,837,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,910
−HK$16,473/mo
▼ 0.25% · 3.875%
HK$313,087
−HK$8,296/mo
Today · 4.125%
HK$321,383
baseline
▲ 0.50% · 4.625%
HK$338,324
+HK$16,941/mo
Deposit HK$6.68M · loan HK$60.10M · min. income ≈ HK$642,766/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$2,837,972 · Scale 2, in force from 26 Feb 2026)