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$153,083
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$157,844
−HK$4,838/mo
Today · 4.125%
HK$162,682
baseline
▲ 0.50% · 4.625%
HK$172,581
+HK$9,899/mo
Deposit HK$33.57M · loan HK$33.57M · min. income ≈ HK$325,364/mo (50% DSR)
Upfront cash ≈ HK$36.42M (deposit + AVD stamp duty HK$2,853,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,303
−HK$9,201/mo
▼ 0.25% · 3.875%
HK$174,870
−HK$4,634/mo
Today · 4.125%
HK$179,504
baseline
▲ 0.50% · 4.625%
HK$188,966
+HK$9,462/mo
Deposit HK$33.57M · loan HK$33.57M · min. income ≈ HK$359,008/mo (50% DSR)
Upfront cash ≈ HK$36.42M (deposit + AVD stamp duty HK$2,853,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,699
−HK$11,520/mo
▼ 0.25% · 3.875%
HK$189,413
−HK$5,806/mo
Today · 4.125%
HK$195,219
baseline
▲ 0.50% · 4.625%
HK$207,097
+HK$11,878/mo
Deposit HK$26.85M · loan HK$40.28M · min. income ≈ HK$390,438/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$2,853,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,363
−HK$11,042/mo
▼ 0.25% · 3.875%
HK$209,844
−HK$5,561/mo
Today · 4.125%
HK$215,405
baseline
▲ 0.50% · 4.625%
HK$226,759
+HK$11,354/mo
Deposit HK$26.85M · loan HK$40.28M · min. income ≈ HK$430,810/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$2,853,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,316
−HK$13,439/mo
▼ 0.25% · 3.875%
HK$220,982
−HK$6,773/mo
Today · 4.125%
HK$227,755
baseline
▲ 0.50% · 4.625%
HK$241,613
+HK$13,858/mo
Deposit HK$20.14M · loan HK$46.99M · min. income ≈ HK$455,510/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,853,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,424
−HK$12,881/mo
▼ 0.25% · 3.875%
HK$244,818
−HK$6,487/mo
Today · 4.125%
HK$251,305
baseline
▲ 0.50% · 4.625%
HK$264,552
+HK$13,247/mo
Deposit HK$20.14M · loan HK$46.99M · min. income ≈ HK$502,610/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,853,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,549
−HK$17,279/mo
▼ 0.25% · 3.875%
HK$284,120
−HK$8,708/mo
Today · 4.125%
HK$292,828
baseline
▲ 0.50% · 4.625%
HK$310,646
+HK$17,818/mo
Deposit HK$6.71M · loan HK$60.42M · min. income ≈ HK$585,656/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,853,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,545
−HK$16,562/mo
▼ 0.25% · 3.875%
HK$314,766
−HK$8,341/mo
Today · 4.125%
HK$323,107
baseline
▲ 0.50% · 4.625%
HK$340,138
+HK$17,031/mo
Deposit HK$6.71M · loan HK$60.42M · min. income ≈ HK$646,214/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,853,192 · Scale 2, in force from 26 Feb 2026)