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$156,653
−HK$9,823/mo
▼ 0.25% · 3.875%
HK$161,526
−HK$4,950/mo
Today · 4.125%
HK$166,476
baseline
▲ 0.50% · 4.625%
HK$176,606
+HK$10,130/mo
Deposit HK$34.35M · loan HK$34.35M · min. income ≈ HK$332,952/mo (50% DSR)
Upfront cash ≈ HK$37.27M (deposit + AVD stamp duty HK$2,919,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,275
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$178,949
−HK$4,741/mo
Today · 4.125%
HK$183,690
baseline
▲ 0.50% · 4.625%
HK$193,373
+HK$9,683/mo
Deposit HK$34.35M · loan HK$34.35M · min. income ≈ HK$367,380/mo (50% DSR)
Upfront cash ≈ HK$37.27M (deposit + AVD stamp duty HK$2,919,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,983
−HK$11,789/mo
▼ 0.25% · 3.875%
HK$193,831
−HK$5,941/mo
Today · 4.125%
HK$199,772
baseline
▲ 0.50% · 4.625%
HK$211,927
+HK$12,155/mo
Deposit HK$27.48M · loan HK$41.22M · min. income ≈ HK$399,544/mo (50% DSR)
Upfront cash ≈ HK$30.40M (deposit + AVD stamp duty HK$2,919,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,130
−HK$11,298/mo
▼ 0.25% · 3.875%
HK$214,738
−HK$5,690/mo
Today · 4.125%
HK$220,428
baseline
▲ 0.50% · 4.625%
HK$232,047
+HK$11,619/mo
Deposit HK$27.48M · loan HK$41.22M · min. income ≈ HK$440,856/mo (50% DSR)
Upfront cash ≈ HK$30.40M (deposit + AVD stamp duty HK$2,919,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,314
−HK$13,753/mo
▼ 0.25% · 3.875%
HK$226,136
−HK$6,931/mo
Today · 4.125%
HK$233,067
baseline
▲ 0.50% · 4.625%
HK$247,248
+HK$14,181/mo
Deposit HK$20.61M · loan HK$48.09M · min. income ≈ HK$466,134/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$2,919,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,985
−HK$13,181/mo
▼ 0.25% · 3.875%
HK$250,528
−HK$6,638/mo
Today · 4.125%
HK$257,166
baseline
▲ 0.50% · 4.625%
HK$270,722
+HK$13,556/mo
Deposit HK$20.61M · loan HK$48.09M · min. income ≈ HK$514,332/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$2,919,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,975
−HK$17,682/mo
▼ 0.25% · 3.875%
HK$290,746
−HK$8,911/mo
Today · 4.125%
HK$299,657
baseline
▲ 0.50% · 4.625%
HK$317,891
+HK$18,234/mo
Deposit HK$6.87M · loan HK$61.83M · min. income ≈ HK$599,314/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$2,919,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,694
−HK$16,948/mo
▼ 0.25% · 3.875%
HK$322,108
−HK$8,534/mo
Today · 4.125%
HK$330,642
baseline
▲ 0.50% · 4.625%
HK$348,071
+HK$17,429/mo
Deposit HK$6.87M · loan HK$61.83M · min. income ≈ HK$661,284/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$2,919,736 · Scale 2, in force from 26 Feb 2026)