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$154,195
−HK$9,669/mo
▼ 0.25% · 3.875%
HK$158,991
−HK$4,873/mo
Today · 4.125%
HK$163,864
baseline
▲ 0.50% · 4.625%
HK$173,835
+HK$9,971/mo
Deposit HK$33.81M · loan HK$33.81M · min. income ≈ HK$327,728/mo (50% DSR)
Upfront cash ≈ HK$36.68M (deposit + AVD stamp duty HK$2,873,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,540
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$176,141
−HK$4,667/mo
Today · 4.125%
HK$180,808
baseline
▲ 0.50% · 4.625%
HK$190,339
+HK$9,531/mo
Deposit HK$33.81M · loan HK$33.81M · min. income ≈ HK$361,616/mo (50% DSR)
Upfront cash ≈ HK$36.68M (deposit + AVD stamp duty HK$2,873,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,034
−HK$11,603/mo
▼ 0.25% · 3.875%
HK$190,790
−HK$5,847/mo
Today · 4.125%
HK$196,637
baseline
▲ 0.50% · 4.625%
HK$208,602
+HK$11,965/mo
Deposit HK$27.05M · loan HK$40.57M · min. income ≈ HK$393,274/mo (50% DSR)
Upfront cash ≈ HK$29.92M (deposit + AVD stamp duty HK$2,873,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,849
−HK$11,121/mo
▼ 0.25% · 3.875%
HK$211,369
−HK$5,601/mo
Today · 4.125%
HK$216,970
baseline
▲ 0.50% · 4.625%
HK$228,407
+HK$11,437/mo
Deposit HK$27.05M · loan HK$40.57M · min. income ≈ HK$433,940/mo (50% DSR)
Upfront cash ≈ HK$29.92M (deposit + AVD stamp duty HK$2,873,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,873
−HK$13,537/mo
▼ 0.25% · 3.875%
HK$222,588
−HK$6,822/mo
Today · 4.125%
HK$229,410
baseline
▲ 0.50% · 4.625%
HK$243,369
+HK$13,959/mo
Deposit HK$20.29M · loan HK$47.34M · min. income ≈ HK$458,820/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$2,873,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,157
−HK$12,975/mo
▼ 0.25% · 3.875%
HK$246,598
−HK$6,534/mo
Today · 4.125%
HK$253,132
baseline
▲ 0.50% · 4.625%
HK$266,475
+HK$13,343/mo
Deposit HK$20.29M · loan HK$47.34M · min. income ≈ HK$506,264/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$2,873,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,551
−HK$17,405/mo
▼ 0.25% · 3.875%
HK$286,185
−HK$8,771/mo
Today · 4.125%
HK$294,956
baseline
▲ 0.50% · 4.625%
HK$312,903
+HK$17,947/mo
Deposit HK$6.76M · loan HK$60.86M · min. income ≈ HK$589,912/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,873,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,773
−HK$16,682/mo
▼ 0.25% · 3.875%
HK$317,054
−HK$8,401/mo
Today · 4.125%
HK$325,455
baseline
▲ 0.50% · 4.625%
HK$342,610
+HK$17,155/mo
Deposit HK$6.76M · loan HK$60.86M · min. income ≈ HK$650,910/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,873,928 · Scale 2, in force from 26 Feb 2026)