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$153,992
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$158,782
−HK$4,866/mo
Today · 4.125%
HK$163,648
baseline
▲ 0.50% · 4.625%
HK$173,606
+HK$9,958/mo
Deposit HK$33.77M · loan HK$33.77M · min. income ≈ HK$327,296/mo (50% DSR)
Upfront cash ≈ HK$36.64M (deposit + AVD stamp duty HK$2,870,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,314
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$175,909
−HK$4,661/mo
Today · 4.125%
HK$180,570
baseline
▲ 0.50% · 4.625%
HK$190,088
+HK$9,518/mo
Deposit HK$33.77M · loan HK$33.77M · min. income ≈ HK$361,140/mo (50% DSR)
Upfront cash ≈ HK$36.64M (deposit + AVD stamp duty HK$2,870,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,790
−HK$11,588/mo
▼ 0.25% · 3.875%
HK$190,538
−HK$5,840/mo
Today · 4.125%
HK$196,378
baseline
▲ 0.50% · 4.625%
HK$208,327
+HK$11,949/mo
Deposit HK$27.01M · loan HK$40.52M · min. income ≈ HK$392,756/mo (50% DSR)
Upfront cash ≈ HK$29.88M (deposit + AVD stamp duty HK$2,870,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,577
−HK$11,107/mo
▼ 0.25% · 3.875%
HK$211,090
−HK$5,594/mo
Today · 4.125%
HK$216,684
baseline
▲ 0.50% · 4.625%
HK$228,105
+HK$11,421/mo
Deposit HK$27.01M · loan HK$40.52M · min. income ≈ HK$433,368/mo (50% DSR)
Upfront cash ≈ HK$29.88M (deposit + AVD stamp duty HK$2,870,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,588
−HK$13,520/mo
▼ 0.25% · 3.875%
HK$222,294
−HK$6,814/mo
Today · 4.125%
HK$229,108
baseline
▲ 0.50% · 4.625%
HK$243,048
+HK$13,940/mo
Deposit HK$20.26M · loan HK$47.27M · min. income ≈ HK$458,216/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,870,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,840
−HK$12,958/mo
▼ 0.25% · 3.875%
HK$246,272
−HK$6,526/mo
Today · 4.125%
HK$252,798
baseline
▲ 0.50% · 4.625%
HK$266,123
+HK$13,325/mo
Deposit HK$20.26M · loan HK$47.27M · min. income ≈ HK$505,596/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,870,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,185
−HK$17,382/mo
▼ 0.25% · 3.875%
HK$285,807
−HK$8,760/mo
Today · 4.125%
HK$294,567
baseline
▲ 0.50% · 4.625%
HK$312,491
+HK$17,924/mo
Deposit HK$6.75M · loan HK$60.78M · min. income ≈ HK$589,134/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$2,870,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,365
−HK$16,660/mo
▼ 0.25% · 3.875%
HK$316,636
−HK$8,389/mo
Today · 4.125%
HK$325,025
baseline
▲ 0.50% · 4.625%
HK$342,158
+HK$17,133/mo
Deposit HK$6.75M · loan HK$60.78M · min. income ≈ HK$650,050/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$2,870,135 · Scale 2, in force from 26 Feb 2026)