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$155,612
−HK$9,758/mo
▼ 0.25% · 3.875%
HK$160,452
−HK$4,918/mo
Today · 4.125%
HK$165,370
baseline
▲ 0.50% · 4.625%
HK$175,433
+HK$10,063/mo
Deposit HK$34.12M · loan HK$34.12M · min. income ≈ HK$330,740/mo (50% DSR)
Upfront cash ≈ HK$37.02M (deposit + AVD stamp duty HK$2,900,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,117
−HK$9,353/mo
▼ 0.25% · 3.875%
HK$177,760
−HK$4,710/mo
Today · 4.125%
HK$182,470
baseline
▲ 0.50% · 4.625%
HK$192,088
+HK$9,618/mo
Deposit HK$34.12M · loan HK$34.12M · min. income ≈ HK$364,940/mo (50% DSR)
Upfront cash ≈ HK$37.02M (deposit + AVD stamp duty HK$2,900,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,734
−HK$11,710/mo
▼ 0.25% · 3.875%
HK$192,543
−HK$5,901/mo
Today · 4.125%
HK$198,444
baseline
▲ 0.50% · 4.625%
HK$210,519
+HK$12,075/mo
Deposit HK$27.30M · loan HK$40.95M · min. income ≈ HK$396,888/mo (50% DSR)
Upfront cash ≈ HK$30.20M (deposit + AVD stamp duty HK$2,900,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,740
−HK$11,224/mo
▼ 0.25% · 3.875%
HK$213,311
−HK$5,653/mo
Today · 4.125%
HK$218,964
baseline
▲ 0.50% · 4.625%
HK$230,505
+HK$11,541/mo
Deposit HK$27.30M · loan HK$40.95M · min. income ≈ HK$437,928/mo (50% DSR)
Upfront cash ≈ HK$30.20M (deposit + AVD stamp duty HK$2,900,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,857
−HK$13,661/mo
▼ 0.25% · 3.875%
HK$224,633
−HK$6,885/mo
Today · 4.125%
HK$231,518
baseline
▲ 0.50% · 4.625%
HK$245,606
+HK$14,088/mo
Deposit HK$20.47M · loan HK$47.77M · min. income ≈ HK$463,036/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,900,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,363
−HK$13,094/mo
▼ 0.25% · 3.875%
HK$248,863
−HK$6,594/mo
Today · 4.125%
HK$255,457
baseline
▲ 0.50% · 4.625%
HK$268,923
+HK$13,466/mo
Deposit HK$20.47M · loan HK$47.77M · min. income ≈ HK$510,914/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,900,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,101
−HK$17,565/mo
▼ 0.25% · 3.875%
HK$288,814
−HK$8,852/mo
Today · 4.125%
HK$297,666
baseline
▲ 0.50% · 4.625%
HK$315,779
+HK$18,113/mo
Deposit HK$6.82M · loan HK$61.42M · min. income ≈ HK$595,332/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$2,900,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,610
−HK$16,835/mo
▼ 0.25% · 3.875%
HK$319,967
−HK$8,478/mo
Today · 4.125%
HK$328,445
baseline
▲ 0.50% · 4.625%
HK$345,758
+HK$17,313/mo
Deposit HK$6.82M · loan HK$61.42M · min. income ≈ HK$656,890/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$2,900,334 · Scale 2, in force from 26 Feb 2026)