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$157,336
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$162,230
−HK$4,973/mo
Today · 4.125%
HK$167,203
baseline
▲ 0.50% · 4.625%
HK$177,376
+HK$10,173/mo
Deposit HK$34.50M · loan HK$34.50M · min. income ≈ HK$334,406/mo (50% DSR)
Upfront cash ≈ HK$37.43M (deposit + AVD stamp duty HK$2,932,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,035
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$179,729
−HK$4,762/mo
Today · 4.125%
HK$184,491
baseline
▲ 0.50% · 4.625%
HK$194,216
+HK$9,725/mo
Deposit HK$34.50M · loan HK$34.50M · min. income ≈ HK$368,982/mo (50% DSR)
Upfront cash ≈ HK$37.43M (deposit + AVD stamp duty HK$2,932,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,803
−HK$11,840/mo
▼ 0.25% · 3.875%
HK$194,676
−HK$5,967/mo
Today · 4.125%
HK$200,643
baseline
▲ 0.50% · 4.625%
HK$212,852
+HK$12,209/mo
Deposit HK$27.60M · loan HK$41.40M · min. income ≈ HK$401,286/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,932,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,042
−HK$11,348/mo
▼ 0.25% · 3.875%
HK$215,675
−HK$5,715/mo
Today · 4.125%
HK$221,390
baseline
▲ 0.50% · 4.625%
HK$233,060
+HK$11,670/mo
Deposit HK$27.60M · loan HK$41.40M · min. income ≈ HK$442,780/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,932,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,271
−HK$13,813/mo
▼ 0.25% · 3.875%
HK$227,122
−HK$6,962/mo
Today · 4.125%
HK$234,084
baseline
▲ 0.50% · 4.625%
HK$248,327
+HK$14,243/mo
Deposit HK$20.70M · loan HK$48.30M · min. income ≈ HK$468,168/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,932,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,049
−HK$13,239/mo
▼ 0.25% · 3.875%
HK$251,621
−HK$6,667/mo
Today · 4.125%
HK$258,288
baseline
▲ 0.50% · 4.625%
HK$271,903
+HK$13,615/mo
Deposit HK$20.70M · loan HK$48.30M · min. income ≈ HK$516,576/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,932,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,205
−HK$17,760/mo
▼ 0.25% · 3.875%
HK$292,014
−HK$8,951/mo
Today · 4.125%
HK$300,965
baseline
▲ 0.50% · 4.625%
HK$319,278
+HK$18,313/mo
Deposit HK$6.90M · loan HK$62.10M · min. income ≈ HK$601,930/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,932,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,063
−HK$17,022/mo
▼ 0.25% · 3.875%
HK$323,513
−HK$8,572/mo
Today · 4.125%
HK$332,085
baseline
▲ 0.50% · 4.625%
HK$349,589
+HK$17,504/mo
Deposit HK$6.90M · loan HK$62.10M · min. income ≈ HK$664,170/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,932,472 · Scale 2, in force from 26 Feb 2026)