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$159,107
−HK$9,978/mo
▼ 0.25% · 3.875%
HK$164,056
−HK$5,029/mo
Today · 4.125%
HK$169,085
baseline
▲ 0.50% · 4.625%
HK$179,373
+HK$10,288/mo
Deposit HK$34.89M · loan HK$34.89M · min. income ≈ HK$338,170/mo (50% DSR)
Upfront cash ≈ HK$37.85M (deposit + AVD stamp duty HK$2,965,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,005
−HK$9,563/mo
▼ 0.25% · 3.875%
HK$181,752
−HK$4,816/mo
Today · 4.125%
HK$186,568
baseline
▲ 0.50% · 4.625%
HK$196,402
+HK$9,834/mo
Deposit HK$34.89M · loan HK$34.89M · min. income ≈ HK$373,136/mo (50% DSR)
Upfront cash ≈ HK$37.85M (deposit + AVD stamp duty HK$2,965,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,929
−HK$11,972/mo
▼ 0.25% · 3.875%
HK$196,868
−HK$6,033/mo
Today · 4.125%
HK$202,901
baseline
▲ 0.50% · 4.625%
HK$215,248
+HK$12,347/mo
Deposit HK$27.91M · loan HK$41.87M · min. income ≈ HK$405,802/mo (50% DSR)
Upfront cash ≈ HK$30.88M (deposit + AVD stamp duty HK$2,965,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,406
−HK$11,476/mo
▼ 0.25% · 3.875%
HK$218,103
−HK$5,779/mo
Today · 4.125%
HK$223,882
baseline
▲ 0.50% · 4.625%
HK$235,683
+HK$11,801/mo
Deposit HK$27.91M · loan HK$41.87M · min. income ≈ HK$447,764/mo (50% DSR)
Upfront cash ≈ HK$30.88M (deposit + AVD stamp duty HK$2,965,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,750
−HK$13,968/mo
▼ 0.25% · 3.875%
HK$229,679
−HK$7,039/mo
Today · 4.125%
HK$236,718
baseline
▲ 0.50% · 4.625%
HK$251,122
+HK$14,404/mo
Deposit HK$20.93M · loan HK$48.84M · min. income ≈ HK$473,436/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,965,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,807
−HK$13,388/mo
▼ 0.25% · 3.875%
HK$254,453
−HK$6,742/mo
Today · 4.125%
HK$261,195
baseline
▲ 0.50% · 4.625%
HK$274,963
+HK$13,768/mo
Deposit HK$20.93M · loan HK$48.84M · min. income ≈ HK$522,390/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,965,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,393
−HK$17,959/mo
▼ 0.25% · 3.875%
HK$295,301
−HK$9,051/mo
Today · 4.125%
HK$304,352
baseline
▲ 0.50% · 4.625%
HK$322,871
+HK$18,519/mo
Deposit HK$6.98M · loan HK$62.80M · min. income ≈ HK$608,704/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,965,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,609
−HK$17,214/mo
▼ 0.25% · 3.875%
HK$327,154
−HK$8,669/mo
Today · 4.125%
HK$335,823
baseline
▲ 0.50% · 4.625%
HK$353,524
+HK$17,701/mo
Deposit HK$6.98M · loan HK$62.80M · min. income ≈ HK$671,646/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,965,479 · Scale 2, in force from 26 Feb 2026)