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$156,035
−HK$9,785/mo
▼ 0.25% · 3.875%
HK$160,889
−HK$4,931/mo
Today · 4.125%
HK$165,820
baseline
▲ 0.50% · 4.625%
HK$175,910
+HK$10,090/mo
Deposit HK$34.21M · loan HK$34.21M · min. income ≈ HK$331,640/mo (50% DSR)
Upfront cash ≈ HK$37.12M (deposit + AVD stamp duty HK$2,908,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,588
−HK$9,378/mo
▼ 0.25% · 3.875%
HK$178,243
−HK$4,723/mo
Today · 4.125%
HK$182,966
baseline
▲ 0.50% · 4.625%
HK$192,610
+HK$9,644/mo
Deposit HK$34.21M · loan HK$34.21M · min. income ≈ HK$365,932/mo (50% DSR)
Upfront cash ≈ HK$37.12M (deposit + AVD stamp duty HK$2,908,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,242
−HK$11,742/mo
▼ 0.25% · 3.875%
HK$193,067
−HK$5,917/mo
Today · 4.125%
HK$198,984
baseline
▲ 0.50% · 4.625%
HK$211,092
+HK$12,108/mo
Deposit HK$27.37M · loan HK$41.06M · min. income ≈ HK$397,968/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,908,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,305
−HK$11,254/mo
▼ 0.25% · 3.875%
HK$213,892
−HK$5,667/mo
Today · 4.125%
HK$219,559
baseline
▲ 0.50% · 4.625%
HK$231,133
+HK$11,574/mo
Deposit HK$27.37M · loan HK$41.06M · min. income ≈ HK$439,118/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,908,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,449
−HK$13,699/mo
▼ 0.25% · 3.875%
HK$225,244
−HK$6,904/mo
Today · 4.125%
HK$232,148
baseline
▲ 0.50% · 4.625%
HK$246,274
+HK$14,126/mo
Deposit HK$20.53M · loan HK$47.90M · min. income ≈ HK$464,296/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,908,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,023
−HK$13,129/mo
▼ 0.25% · 3.875%
HK$249,540
−HK$6,612/mo
Today · 4.125%
HK$256,152
baseline
▲ 0.50% · 4.625%
HK$269,655
+HK$13,503/mo
Deposit HK$20.53M · loan HK$47.90M · min. income ≈ HK$512,304/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,908,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,863
−HK$17,613/mo
▼ 0.25% · 3.875%
HK$289,600
−HK$8,876/mo
Today · 4.125%
HK$298,476
baseline
▲ 0.50% · 4.625%
HK$316,638
+HK$18,162/mo
Deposit HK$6.84M · loan HK$61.59M · min. income ≈ HK$596,952/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$2,908,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,458
−HK$16,881/mo
▼ 0.25% · 3.875%
HK$320,838
−HK$8,501/mo
Today · 4.125%
HK$329,339
baseline
▲ 0.50% · 4.625%
HK$346,699
+HK$17,360/mo
Deposit HK$6.84M · loan HK$61.59M · min. income ≈ HK$658,678/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$2,908,225 · Scale 2, in force from 26 Feb 2026)