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$157,228
−HK$9,860/mo
▼ 0.25% · 3.875%
HK$162,119
−HK$4,969/mo
Today · 4.125%
HK$167,088
baseline
▲ 0.50% · 4.625%
HK$177,255
+HK$10,167/mo
Deposit HK$34.48M · loan HK$34.48M · min. income ≈ HK$334,176/mo (50% DSR)
Upfront cash ≈ HK$37.41M (deposit + AVD stamp duty HK$2,930,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,915
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$179,606
−HK$4,759/mo
Today · 4.125%
HK$184,365
baseline
▲ 0.50% · 4.625%
HK$194,083
+HK$9,718/mo
Deposit HK$34.48M · loan HK$34.48M · min. income ≈ HK$368,730/mo (50% DSR)
Upfront cash ≈ HK$37.41M (deposit + AVD stamp duty HK$2,930,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,674
−HK$11,832/mo
▼ 0.25% · 3.875%
HK$194,543
−HK$5,963/mo
Today · 4.125%
HK$200,506
baseline
▲ 0.50% · 4.625%
HK$212,706
+HK$12,200/mo
Deposit HK$27.58M · loan HK$41.37M · min. income ≈ HK$401,012/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$2,930,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,898
−HK$11,340/mo
▼ 0.25% · 3.875%
HK$215,527
−HK$5,711/mo
Today · 4.125%
HK$221,238
baseline
▲ 0.50% · 4.625%
HK$232,900
+HK$11,662/mo
Deposit HK$27.58M · loan HK$41.37M · min. income ≈ HK$442,476/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$2,930,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,120
−HK$13,803/mo
▼ 0.25% · 3.875%
HK$226,967
−HK$6,956/mo
Today · 4.125%
HK$233,923
baseline
▲ 0.50% · 4.625%
HK$248,157
+HK$14,234/mo
Deposit HK$20.69M · loan HK$48.27M · min. income ≈ HK$467,846/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$2,930,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,881
−HK$13,230/mo
▼ 0.25% · 3.875%
HK$251,449
−HK$6,662/mo
Today · 4.125%
HK$258,111
baseline
▲ 0.50% · 4.625%
HK$271,717
+HK$13,606/mo
Deposit HK$20.69M · loan HK$48.27M · min. income ≈ HK$516,222/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$2,930,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,011
−HK$17,747/mo
▼ 0.25% · 3.875%
HK$291,814
−HK$8,944/mo
Today · 4.125%
HK$300,758
baseline
▲ 0.50% · 4.625%
HK$319,059
+HK$18,301/mo
Deposit HK$6.90M · loan HK$62.06M · min. income ≈ HK$601,516/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,930,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,847
−HK$17,010/mo
▼ 0.25% · 3.875%
HK$323,291
−HK$8,566/mo
Today · 4.125%
HK$331,857
baseline
▲ 0.50% · 4.625%
HK$349,350
+HK$17,493/mo
Deposit HK$6.90M · loan HK$62.06M · min. income ≈ HK$663,714/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$2,930,463 · Scale 2, in force from 26 Feb 2026)