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$154,425
−HK$9,684/mo
▼ 0.25% · 3.875%
HK$159,228
−HK$4,881/mo
Today · 4.125%
HK$164,109
baseline
▲ 0.50% · 4.625%
HK$174,094
+HK$9,985/mo
Deposit HK$33.86M · loan HK$33.86M · min. income ≈ HK$328,218/mo (50% DSR)
Upfront cash ≈ HK$36.74M (deposit + AVD stamp duty HK$2,878,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,796
−HK$9,282/mo
▼ 0.25% · 3.875%
HK$176,404
−HK$4,674/mo
Today · 4.125%
HK$181,078
baseline
▲ 0.50% · 4.625%
HK$190,623
+HK$9,545/mo
Deposit HK$33.86M · loan HK$33.86M · min. income ≈ HK$362,156/mo (50% DSR)
Upfront cash ≈ HK$36.74M (deposit + AVD stamp duty HK$2,878,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,310
−HK$11,620/mo
▼ 0.25% · 3.875%
HK$191,074
−HK$5,856/mo
Today · 4.125%
HK$196,930
baseline
▲ 0.50% · 4.625%
HK$208,913
+HK$11,983/mo
Deposit HK$27.09M · loan HK$40.63M · min. income ≈ HK$393,860/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,878,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,155
−HK$11,138/mo
▼ 0.25% · 3.875%
HK$211,684
−HK$5,609/mo
Today · 4.125%
HK$217,293
baseline
▲ 0.50% · 4.625%
HK$228,747
+HK$11,454/mo
Deposit HK$27.09M · loan HK$40.63M · min. income ≈ HK$434,586/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,878,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,195
−HK$13,557/mo
▼ 0.25% · 3.875%
HK$222,920
−HK$6,832/mo
Today · 4.125%
HK$229,752
baseline
▲ 0.50% · 4.625%
HK$243,732
+HK$13,980/mo
Deposit HK$20.32M · loan HK$47.41M · min. income ≈ HK$459,504/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,878,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,514
−HK$12,995/mo
▼ 0.25% · 3.875%
HK$246,965
−HK$6,544/mo
Today · 4.125%
HK$253,509
baseline
▲ 0.50% · 4.625%
HK$266,872
+HK$13,363/mo
Deposit HK$20.32M · loan HK$47.41M · min. income ≈ HK$507,018/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$2,878,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,965
−HK$17,430/mo
▼ 0.25% · 3.875%
HK$286,611
−HK$8,784/mo
Today · 4.125%
HK$295,395
baseline
▲ 0.50% · 4.625%
HK$313,370
+HK$17,975/mo
Deposit HK$6.77M · loan HK$60.95M · min. income ≈ HK$590,790/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,878,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,233
−HK$16,707/mo
▼ 0.25% · 3.875%
HK$317,526
−HK$8,414/mo
Today · 4.125%
HK$325,940
baseline
▲ 0.50% · 4.625%
HK$343,121
+HK$17,181/mo
Deposit HK$6.77M · loan HK$60.95M · min. income ≈ HK$651,880/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$2,878,209 · Scale 2, in force from 26 Feb 2026)