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$149,453
−HK$9,372/mo
▼ 0.25% · 3.875%
HK$154,102
−HK$4,723/mo
Today · 4.125%
HK$158,825
baseline
▲ 0.50% · 4.625%
HK$168,490
+HK$9,665/mo
Deposit HK$32.77M · loan HK$32.77M · min. income ≈ HK$317,650/mo (50% DSR)
Upfront cash ≈ HK$35.56M (deposit + AVD stamp duty HK$2,785,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,265
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$170,725
−HK$4,523/mo
Today · 4.125%
HK$175,248
baseline
▲ 0.50% · 4.625%
HK$184,486
+HK$9,238/mo
Deposit HK$32.77M · loan HK$32.77M · min. income ≈ HK$350,496/mo (50% DSR)
Upfront cash ≈ HK$35.56M (deposit + AVD stamp duty HK$2,785,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,344
−HK$11,247/mo
▼ 0.25% · 3.875%
HK$184,923
−HK$5,668/mo
Today · 4.125%
HK$190,591
baseline
▲ 0.50% · 4.625%
HK$202,188
+HK$11,597/mo
Deposit HK$26.22M · loan HK$39.33M · min. income ≈ HK$381,182/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,785,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,519
−HK$10,779/mo
▼ 0.25% · 3.875%
HK$204,869
−HK$5,429/mo
Today · 4.125%
HK$210,298
baseline
▲ 0.50% · 4.625%
HK$221,383
+HK$11,085/mo
Deposit HK$26.22M · loan HK$39.33M · min. income ≈ HK$420,596/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,785,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,235
−HK$13,121/mo
▼ 0.25% · 3.875%
HK$215,743
−HK$6,613/mo
Today · 4.125%
HK$222,356
baseline
▲ 0.50% · 4.625%
HK$235,885
+HK$13,529/mo
Deposit HK$19.66M · loan HK$45.88M · min. income ≈ HK$444,712/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,785,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,772
−HK$12,576/mo
▼ 0.25% · 3.875%
HK$239,014
−HK$6,334/mo
Today · 4.125%
HK$245,348
baseline
▲ 0.50% · 4.625%
HK$258,280
+HK$12,932/mo
Deposit HK$19.66M · loan HK$45.88M · min. income ≈ HK$490,696/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,785,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,016
−HK$16,870/mo
▼ 0.25% · 3.875%
HK$277,384
−HK$8,502/mo
Today · 4.125%
HK$285,886
baseline
▲ 0.50% · 4.625%
HK$303,281
+HK$17,395/mo
Deposit HK$6.55M · loan HK$58.99M · min. income ≈ HK$571,772/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,785,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,278
−HK$16,169/mo
▼ 0.25% · 3.875%
HK$307,304
−HK$8,143/mo
Today · 4.125%
HK$315,447
baseline
▲ 0.50% · 4.625%
HK$332,074
+HK$16,627/mo
Deposit HK$6.55M · loan HK$58.99M · min. income ≈ HK$630,894/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,785,551 · Scale 2, in force from 26 Feb 2026)