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$150,260
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$154,934
−HK$4,748/mo
Today · 4.125%
HK$159,682
baseline
▲ 0.50% · 4.625%
HK$169,399
+HK$9,717/mo
Deposit HK$32.95M · loan HK$32.95M · min. income ≈ HK$319,364/mo (50% DSR)
Upfront cash ≈ HK$35.75M (deposit + AVD stamp duty HK$2,800,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,162
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$171,646
−HK$4,548/mo
Today · 4.125%
HK$176,194
baseline
▲ 0.50% · 4.625%
HK$185,481
+HK$9,287/mo
Deposit HK$32.95M · loan HK$32.95M · min. income ≈ HK$352,388/mo (50% DSR)
Upfront cash ≈ HK$35.75M (deposit + AVD stamp duty HK$2,800,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,312
−HK$11,307/mo
▼ 0.25% · 3.875%
HK$185,920
−HK$5,699/mo
Today · 4.125%
HK$191,619
baseline
▲ 0.50% · 4.625%
HK$203,278
+HK$11,659/mo
Deposit HK$26.36M · loan HK$39.54M · min. income ≈ HK$383,238/mo (50% DSR)
Upfront cash ≈ HK$29.16M (deposit + AVD stamp duty HK$2,800,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,595
−HK$10,837/mo
▼ 0.25% · 3.875%
HK$205,975
−HK$5,457/mo
Today · 4.125%
HK$211,432
baseline
▲ 0.50% · 4.625%
HK$222,577
+HK$11,145/mo
Deposit HK$26.36M · loan HK$39.54M · min. income ≈ HK$422,864/mo (50% DSR)
Upfront cash ≈ HK$29.16M (deposit + AVD stamp duty HK$2,800,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,364
−HK$13,191/mo
▼ 0.25% · 3.875%
HK$216,907
−HK$6,648/mo
Today · 4.125%
HK$223,555
baseline
▲ 0.50% · 4.625%
HK$237,158
+HK$13,603/mo
Deposit HK$19.77M · loan HK$46.13M · min. income ≈ HK$447,110/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,800,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,027
−HK$12,644/mo
▼ 0.25% · 3.875%
HK$240,304
−HK$6,367/mo
Today · 4.125%
HK$246,671
baseline
▲ 0.50% · 4.625%
HK$259,674
+HK$13,003/mo
Deposit HK$19.77M · loan HK$46.13M · min. income ≈ HK$493,342/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$2,800,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,467
−HK$16,961/mo
▼ 0.25% · 3.875%
HK$278,881
−HK$8,547/mo
Today · 4.125%
HK$287,428
baseline
▲ 0.50% · 4.625%
HK$304,917
+HK$17,489/mo
Deposit HK$6.59M · loan HK$59.31M · min. income ≈ HK$574,856/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,800,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,892
−HK$16,257/mo
▼ 0.25% · 3.875%
HK$308,962
−HK$8,187/mo
Today · 4.125%
HK$317,149
baseline
▲ 0.50% · 4.625%
HK$333,866
+HK$16,717/mo
Deposit HK$6.59M · loan HK$59.31M · min. income ≈ HK$634,298/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,800,579 · Scale 2, in force from 26 Feb 2026)