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$153,073
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$157,834
−HK$4,838/mo
Today · 4.125%
HK$162,672
baseline
▲ 0.50% · 4.625%
HK$172,570
+HK$9,898/mo
Deposit HK$33.56M · loan HK$33.56M · min. income ≈ HK$325,344/mo (50% DSR)
Upfront cash ≈ HK$36.42M (deposit + AVD stamp duty HK$2,853,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,292
−HK$9,200/mo
▼ 0.25% · 3.875%
HK$174,859
−HK$4,633/mo
Today · 4.125%
HK$179,492
baseline
▲ 0.50% · 4.625%
HK$188,954
+HK$9,462/mo
Deposit HK$33.56M · loan HK$33.56M · min. income ≈ HK$358,984/mo (50% DSR)
Upfront cash ≈ HK$36.42M (deposit + AVD stamp duty HK$2,853,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,687
−HK$11,519/mo
▼ 0.25% · 3.875%
HK$189,401
−HK$5,805/mo
Today · 4.125%
HK$195,206
baseline
▲ 0.50% · 4.625%
HK$207,084
+HK$11,878/mo
Deposit HK$26.85M · loan HK$40.28M · min. income ≈ HK$390,412/mo (50% DSR)
Upfront cash ≈ HK$29.70M (deposit + AVD stamp duty HK$2,853,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,350
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$209,831
−HK$5,560/mo
Today · 4.125%
HK$215,391
baseline
▲ 0.50% · 4.625%
HK$226,744
+HK$11,353/mo
Deposit HK$26.85M · loan HK$40.28M · min. income ≈ HK$430,782/mo (50% DSR)
Upfront cash ≈ HK$29.70M (deposit + AVD stamp duty HK$2,853,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,302
−HK$13,438/mo
▼ 0.25% · 3.875%
HK$220,968
−HK$6,772/mo
Today · 4.125%
HK$227,740
baseline
▲ 0.50% · 4.625%
HK$241,598
+HK$13,858/mo
Deposit HK$20.14M · loan HK$46.99M · min. income ≈ HK$455,480/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,853,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,409
−HK$12,880/mo
▼ 0.25% · 3.875%
HK$244,803
−HK$6,486/mo
Today · 4.125%
HK$251,289
baseline
▲ 0.50% · 4.625%
HK$264,535
+HK$13,246/mo
Deposit HK$20.14M · loan HK$46.99M · min. income ≈ HK$502,578/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,853,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,531
−HK$17,278/mo
▼ 0.25% · 3.875%
HK$284,102
−HK$8,707/mo
Today · 4.125%
HK$292,809
baseline
▲ 0.50% · 4.625%
HK$310,626
+HK$17,817/mo
Deposit HK$6.71M · loan HK$60.42M · min. income ≈ HK$585,618/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,853,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,525
−HK$16,561/mo
▼ 0.25% · 3.875%
HK$314,746
−HK$8,340/mo
Today · 4.125%
HK$323,086
baseline
▲ 0.50% · 4.625%
HK$340,116
+HK$17,030/mo
Deposit HK$6.71M · loan HK$60.42M · min. income ≈ HK$646,172/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,853,010 · Scale 2, in force from 26 Feb 2026)