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$154,760
−HK$9,705/mo
▼ 0.25% · 3.875%
HK$159,574
−HK$4,891/mo
Today · 4.125%
HK$164,465
baseline
▲ 0.50% · 4.625%
HK$174,472
+HK$10,007/mo
Deposit HK$33.93M · loan HK$33.93M · min. income ≈ HK$328,930/mo (50% DSR)
Upfront cash ≈ HK$36.82M (deposit + AVD stamp duty HK$2,884,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,169
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$176,786
−HK$4,685/mo
Today · 4.125%
HK$181,471
baseline
▲ 0.50% · 4.625%
HK$191,036
+HK$9,565/mo
Deposit HK$33.93M · loan HK$33.93M · min. income ≈ HK$362,942/mo (50% DSR)
Upfront cash ≈ HK$36.82M (deposit + AVD stamp duty HK$2,884,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,712
−HK$11,646/mo
▼ 0.25% · 3.875%
HK$191,489
−HK$5,869/mo
Today · 4.125%
HK$197,358
baseline
▲ 0.50% · 4.625%
HK$209,366
+HK$12,008/mo
Deposit HK$27.15M · loan HK$40.72M · min. income ≈ HK$394,716/mo (50% DSR)
Upfront cash ≈ HK$30.03M (deposit + AVD stamp duty HK$2,884,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,603
−HK$11,162/mo
▼ 0.25% · 3.875%
HK$212,144
−HK$5,621/mo
Today · 4.125%
HK$217,765
baseline
▲ 0.50% · 4.625%
HK$229,243
+HK$11,478/mo
Deposit HK$27.15M · loan HK$40.72M · min. income ≈ HK$435,530/mo (50% DSR)
Upfront cash ≈ HK$30.03M (deposit + AVD stamp duty HK$2,884,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,664
−HK$13,587/mo
▼ 0.25% · 3.875%
HK$223,403
−HK$6,848/mo
Today · 4.125%
HK$230,251
baseline
▲ 0.50% · 4.625%
HK$244,261
+HK$14,010/mo
Deposit HK$20.36M · loan HK$47.51M · min. income ≈ HK$460,502/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,884,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,036
−HK$13,023/mo
▼ 0.25% · 3.875%
HK$247,501
−HK$6,558/mo
Today · 4.125%
HK$254,059
baseline
▲ 0.50% · 4.625%
HK$267,451
+HK$13,392/mo
Deposit HK$20.36M · loan HK$47.51M · min. income ≈ HK$508,118/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$2,884,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,568
−HK$17,469/mo
▼ 0.25% · 3.875%
HK$287,233
−HK$8,804/mo
Today · 4.125%
HK$296,037
baseline
▲ 0.50% · 4.625%
HK$314,050
+HK$18,013/mo
Deposit HK$6.79M · loan HK$61.08M · min. income ≈ HK$592,074/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,884,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,904
−HK$16,743/mo
▼ 0.25% · 3.875%
HK$318,215
−HK$8,432/mo
Today · 4.125%
HK$326,647
baseline
▲ 0.50% · 4.625%
HK$343,865
+HK$17,218/mo
Deposit HK$6.79M · loan HK$61.08M · min. income ≈ HK$653,294/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,884,455 · Scale 2, in force from 26 Feb 2026)