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$153,112
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$157,875
−HK$4,839/mo
Today · 4.125%
HK$162,714
baseline
▲ 0.50% · 4.625%
HK$172,614
+HK$9,900/mo
Deposit HK$33.57M · loan HK$33.57M · min. income ≈ HK$325,428/mo (50% DSR)
Upfront cash ≈ HK$36.43M (deposit + AVD stamp duty HK$2,853,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,336
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$174,904
−HK$4,634/mo
Today · 4.125%
HK$179,538
baseline
▲ 0.50% · 4.625%
HK$189,002
+HK$9,464/mo
Deposit HK$33.57M · loan HK$33.57M · min. income ≈ HK$359,076/mo (50% DSR)
Upfront cash ≈ HK$36.43M (deposit + AVD stamp duty HK$2,853,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,734
−HK$11,522/mo
▼ 0.25% · 3.875%
HK$189,450
−HK$5,806/mo
Today · 4.125%
HK$195,256
baseline
▲ 0.50% · 4.625%
HK$207,137
+HK$11,881/mo
Deposit HK$26.86M · loan HK$40.29M · min. income ≈ HK$390,512/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$2,853,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,403
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$209,885
−HK$5,561/mo
Today · 4.125%
HK$215,446
baseline
▲ 0.50% · 4.625%
HK$226,802
+HK$11,356/mo
Deposit HK$26.86M · loan HK$40.29M · min. income ≈ HK$430,892/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$2,853,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,357
−HK$13,442/mo
▼ 0.25% · 3.875%
HK$221,025
−HK$6,774/mo
Today · 4.125%
HK$227,799
baseline
▲ 0.50% · 4.625%
HK$241,660
+HK$13,861/mo
Deposit HK$20.14M · loan HK$47.00M · min. income ≈ HK$455,598/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$2,853,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,470
−HK$12,884/mo
▼ 0.25% · 3.875%
HK$244,865
−HK$6,489/mo
Today · 4.125%
HK$251,354
baseline
▲ 0.50% · 4.625%
HK$264,603
+HK$13,249/mo
Deposit HK$20.14M · loan HK$47.00M · min. income ≈ HK$502,708/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$2,853,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,602
−HK$17,282/mo
▼ 0.25% · 3.875%
HK$284,174
−HK$8,710/mo
Today · 4.125%
HK$292,884
baseline
▲ 0.50% · 4.625%
HK$310,706
+HK$17,822/mo
Deposit HK$6.71M · loan HK$60.43M · min. income ≈ HK$585,768/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,853,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,604
−HK$16,565/mo
▼ 0.25% · 3.875%
HK$314,827
−HK$8,342/mo
Today · 4.125%
HK$323,169
baseline
▲ 0.50% · 4.625%
HK$340,204
+HK$17,035/mo
Deposit HK$6.71M · loan HK$60.43M · min. income ≈ HK$646,338/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,853,742 · Scale 2, in force from 26 Feb 2026)