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$153,980
−HK$9,655/mo
▼ 0.25% · 3.875%
HK$158,769
−HK$4,866/mo
Today · 4.125%
HK$163,635
baseline
▲ 0.50% · 4.625%
HK$173,592
+HK$9,957/mo
Deposit HK$33.76M · loan HK$33.76M · min. income ≈ HK$327,270/mo (50% DSR)
Upfront cash ≈ HK$36.63M (deposit + AVD stamp duty HK$2,869,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,301
−HK$9,255/mo
▼ 0.25% · 3.875%
HK$175,895
−HK$4,661/mo
Today · 4.125%
HK$180,556
baseline
▲ 0.50% · 4.625%
HK$190,073
+HK$9,517/mo
Deposit HK$33.76M · loan HK$33.76M · min. income ≈ HK$361,112/mo (50% DSR)
Upfront cash ≈ HK$36.63M (deposit + AVD stamp duty HK$2,869,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,776
−HK$11,587/mo
▼ 0.25% · 3.875%
HK$190,523
−HK$5,840/mo
Today · 4.125%
HK$196,363
baseline
▲ 0.50% · 4.625%
HK$208,311
+HK$11,948/mo
Deposit HK$27.01M · loan HK$40.52M · min. income ≈ HK$392,726/mo (50% DSR)
Upfront cash ≈ HK$29.88M (deposit + AVD stamp duty HK$2,869,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,561
−HK$11,106/mo
▼ 0.25% · 3.875%
HK$211,074
−HK$5,593/mo
Today · 4.125%
HK$216,667
baseline
▲ 0.50% · 4.625%
HK$228,088
+HK$11,421/mo
Deposit HK$27.01M · loan HK$40.52M · min. income ≈ HK$433,334/mo (50% DSR)
Upfront cash ≈ HK$29.88M (deposit + AVD stamp duty HK$2,869,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,571
−HK$13,519/mo
▼ 0.25% · 3.875%
HK$222,277
−HK$6,813/mo
Today · 4.125%
HK$229,090
baseline
▲ 0.50% · 4.625%
HK$243,029
+HK$13,939/mo
Deposit HK$20.26M · loan HK$47.27M · min. income ≈ HK$458,180/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,869,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,821
−HK$12,957/mo
▼ 0.25% · 3.875%
HK$246,253
−HK$6,525/mo
Today · 4.125%
HK$252,778
baseline
▲ 0.50% · 4.625%
HK$266,102
+HK$13,324/mo
Deposit HK$20.26M · loan HK$47.27M · min. income ≈ HK$505,556/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,869,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,163
−HK$17,381/mo
▼ 0.25% · 3.875%
HK$285,785
−HK$8,759/mo
Today · 4.125%
HK$294,544
baseline
▲ 0.50% · 4.625%
HK$312,466
+HK$17,922/mo
Deposit HK$6.75M · loan HK$60.77M · min. income ≈ HK$589,088/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$2,869,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,341
−HK$16,659/mo
▼ 0.25% · 3.875%
HK$316,611
−HK$8,389/mo
Today · 4.125%
HK$325,000
baseline
▲ 0.50% · 4.625%
HK$342,131
+HK$17,131/mo
Deposit HK$6.75M · loan HK$60.77M · min. income ≈ HK$650,000/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$2,869,912 · Scale 2, in force from 26 Feb 2026)