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$159,042
−HK$9,973/mo
▼ 0.25% · 3.875%
HK$163,989
−HK$5,026/mo
Today · 4.125%
HK$169,015
baseline
▲ 0.50% · 4.625%
HK$179,299
+HK$10,284/mo
Deposit HK$34.87M · loan HK$34.87M · min. income ≈ HK$338,030/mo (50% DSR)
Upfront cash ≈ HK$37.84M (deposit + AVD stamp duty HK$2,964,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,932
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$181,678
−HK$4,813/mo
Today · 4.125%
HK$186,491
baseline
▲ 0.50% · 4.625%
HK$196,322
+HK$9,831/mo
Deposit HK$34.87M · loan HK$34.87M · min. income ≈ HK$372,982/mo (50% DSR)
Upfront cash ≈ HK$37.84M (deposit + AVD stamp duty HK$2,964,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,850
−HK$11,968/mo
▼ 0.25% · 3.875%
HK$196,787
−HK$6,031/mo
Today · 4.125%
HK$202,818
baseline
▲ 0.50% · 4.625%
HK$215,159
+HK$12,341/mo
Deposit HK$27.90M · loan HK$41.85M · min. income ≈ HK$405,636/mo (50% DSR)
Upfront cash ≈ HK$30.86M (deposit + AVD stamp duty HK$2,964,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,319
−HK$11,471/mo
▼ 0.25% · 3.875%
HK$218,013
−HK$5,777/mo
Today · 4.125%
HK$223,790
baseline
▲ 0.50% · 4.625%
HK$235,586
+HK$11,796/mo
Deposit HK$27.90M · loan HK$41.85M · min. income ≈ HK$447,580/mo (50% DSR)
Upfront cash ≈ HK$30.86M (deposit + AVD stamp duty HK$2,964,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,658
−HK$13,963/mo
▼ 0.25% · 3.875%
HK$229,584
−HK$7,037/mo
Today · 4.125%
HK$236,621
baseline
▲ 0.50% · 4.625%
HK$251,019
+HK$14,398/mo
Deposit HK$20.92M · loan HK$48.82M · min. income ≈ HK$473,242/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,705
−HK$13,383/mo
▼ 0.25% · 3.875%
HK$254,349
−HK$6,739/mo
Today · 4.125%
HK$261,088
baseline
▲ 0.50% · 4.625%
HK$274,850
+HK$13,762/mo
Deposit HK$20.92M · loan HK$48.82M · min. income ≈ HK$522,176/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,964,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,275
−HK$17,952/mo
▼ 0.25% · 3.875%
HK$295,180
−HK$9,047/mo
Today · 4.125%
HK$304,227
baseline
▲ 0.50% · 4.625%
HK$322,739
+HK$18,512/mo
Deposit HK$6.97M · loan HK$62.77M · min. income ≈ HK$608,454/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,478
−HK$17,207/mo
▼ 0.25% · 3.875%
HK$327,020
−HK$8,665/mo
Today · 4.125%
HK$335,685
baseline
▲ 0.50% · 4.625%
HK$353,379
+HK$17,694/mo
Deposit HK$6.97M · loan HK$62.77M · min. income ≈ HK$671,370/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$2,964,261 · Scale 2, in force from 26 Feb 2026)