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$157,137
−HK$9,854/mo
▼ 0.25% · 3.875%
HK$162,025
−HK$4,966/mo
Today · 4.125%
HK$166,991
baseline
▲ 0.50% · 4.625%
HK$177,152
+HK$10,161/mo
Deposit HK$34.46M · loan HK$34.46M · min. income ≈ HK$333,982/mo (50% DSR)
Upfront cash ≈ HK$37.38M (deposit + AVD stamp duty HK$2,928,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,813
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$179,502
−HK$4,756/mo
Today · 4.125%
HK$184,258
baseline
▲ 0.50% · 4.625%
HK$193,970
+HK$9,712/mo
Deposit HK$34.46M · loan HK$34.46M · min. income ≈ HK$368,516/mo (50% DSR)
Upfront cash ≈ HK$37.38M (deposit + AVD stamp duty HK$2,928,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,564
−HK$11,825/mo
▼ 0.25% · 3.875%
HK$194,430
−HK$5,959/mo
Today · 4.125%
HK$200,389
baseline
▲ 0.50% · 4.625%
HK$212,582
+HK$12,193/mo
Deposit HK$27.56M · loan HK$41.35M · min. income ≈ HK$400,778/mo (50% DSR)
Upfront cash ≈ HK$30.49M (deposit + AVD stamp duty HK$2,928,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,776
−HK$11,333/mo
▼ 0.25% · 3.875%
HK$215,402
−HK$5,707/mo
Today · 4.125%
HK$221,109
baseline
▲ 0.50% · 4.625%
HK$232,764
+HK$11,655/mo
Deposit HK$27.56M · loan HK$41.35M · min. income ≈ HK$442,218/mo (50% DSR)
Upfront cash ≈ HK$30.49M (deposit + AVD stamp duty HK$2,928,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,992
−HK$13,795/mo
▼ 0.25% · 3.875%
HK$226,835
−HK$6,952/mo
Today · 4.125%
HK$233,787
baseline
▲ 0.50% · 4.625%
HK$248,012
+HK$14,225/mo
Deposit HK$20.67M · loan HK$48.24M · min. income ≈ HK$467,574/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$2,928,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,738
−HK$13,223/mo
▼ 0.25% · 3.875%
HK$251,302
−HK$6,659/mo
Today · 4.125%
HK$257,961
baseline
▲ 0.50% · 4.625%
HK$271,558
+HK$13,597/mo
Deposit HK$20.67M · loan HK$48.24M · min. income ≈ HK$515,922/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$2,928,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,846
−HK$17,737/mo
▼ 0.25% · 3.875%
HK$291,644
−HK$8,939/mo
Today · 4.125%
HK$300,583
baseline
▲ 0.50% · 4.625%
HK$318,873
+HK$18,290/mo
Deposit HK$6.89M · loan HK$62.02M · min. income ≈ HK$601,166/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$2,928,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,664
−HK$17,000/mo
▼ 0.25% · 3.875%
HK$323,103
−HK$8,561/mo
Today · 4.125%
HK$331,664
baseline
▲ 0.50% · 4.625%
HK$349,146
+HK$17,482/mo
Deposit HK$6.89M · loan HK$62.02M · min. income ≈ HK$663,328/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$2,928,757 · Scale 2, in force from 26 Feb 2026)