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$152,240
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$156,976
−HK$4,811/mo
Today · 4.125%
HK$161,787
baseline
▲ 0.50% · 4.625%
HK$171,631
+HK$9,844/mo
Deposit HK$33.38M · loan HK$33.38M · min. income ≈ HK$323,574/mo (50% DSR)
Upfront cash ≈ HK$36.22M (deposit + AVD stamp duty HK$2,837,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,366
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$173,908
−HK$4,608/mo
Today · 4.125%
HK$178,516
baseline
▲ 0.50% · 4.625%
HK$187,926
+HK$9,410/mo
Deposit HK$33.38M · loan HK$33.38M · min. income ≈ HK$357,032/mo (50% DSR)
Upfront cash ≈ HK$36.22M (deposit + AVD stamp duty HK$2,837,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,688
−HK$11,456/mo
▼ 0.25% · 3.875%
HK$188,371
−HK$5,773/mo
Today · 4.125%
HK$194,144
baseline
▲ 0.50% · 4.625%
HK$205,958
+HK$11,814/mo
Deposit HK$26.71M · loan HK$40.06M · min. income ≈ HK$388,288/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,837,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,239
−HK$10,980/mo
▼ 0.25% · 3.875%
HK$208,690
−HK$5,529/mo
Today · 4.125%
HK$214,219
baseline
▲ 0.50% · 4.625%
HK$225,511
+HK$11,292/mo
Deposit HK$26.71M · loan HK$40.06M · min. income ≈ HK$428,438/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,837,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,136
−HK$13,366/mo
▼ 0.25% · 3.875%
HK$219,766
−HK$6,736/mo
Today · 4.125%
HK$226,502
baseline
▲ 0.50% · 4.625%
HK$240,284
+HK$13,782/mo
Deposit HK$20.03M · loan HK$46.74M · min. income ≈ HK$453,004/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,837,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,112
−HK$12,810/mo
▼ 0.25% · 3.875%
HK$243,471
−HK$6,451/mo
Today · 4.125%
HK$249,922
baseline
▲ 0.50% · 4.625%
HK$263,096
+HK$13,174/mo
Deposit HK$20.03M · loan HK$46.74M · min. income ≈ HK$499,844/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$2,837,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,032
−HK$17,184/mo
▼ 0.25% · 3.875%
HK$282,556
−HK$8,660/mo
Today · 4.125%
HK$291,216
baseline
▲ 0.50% · 4.625%
HK$308,936
+HK$17,720/mo
Deposit HK$6.68M · loan HK$60.09M · min. income ≈ HK$582,432/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,837,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,858
−HK$16,471/mo
▼ 0.25% · 3.875%
HK$313,034
−HK$8,295/mo
Today · 4.125%
HK$321,329
baseline
▲ 0.50% · 4.625%
HK$338,266
+HK$16,937/mo
Deposit HK$6.68M · loan HK$60.09M · min. income ≈ HK$642,658/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,837,491 · Scale 2, in force from 26 Feb 2026)