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$150,848
−HK$9,459/mo
▼ 0.25% · 3.875%
HK$155,540
−HK$4,767/mo
Today · 4.125%
HK$160,307
baseline
▲ 0.50% · 4.625%
HK$170,062
+HK$9,755/mo
Deposit HK$33.08M · loan HK$33.08M · min. income ≈ HK$320,614/mo (50% DSR)
Upfront cash ≈ HK$35.89M (deposit + AVD stamp duty HK$2,811,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,817
−HK$9,066/mo
▼ 0.25% · 3.875%
HK$172,317
−HK$4,566/mo
Today · 4.125%
HK$176,883
baseline
▲ 0.50% · 4.625%
HK$186,207
+HK$9,324/mo
Deposit HK$33.08M · loan HK$33.08M · min. income ≈ HK$353,766/mo (50% DSR)
Upfront cash ≈ HK$35.89M (deposit + AVD stamp duty HK$2,811,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,017
−HK$11,352/mo
▼ 0.25% · 3.875%
HK$186,648
−HK$5,721/mo
Today · 4.125%
HK$192,369
baseline
▲ 0.50% · 4.625%
HK$204,074
+HK$11,705/mo
Deposit HK$26.46M · loan HK$39.69M · min. income ≈ HK$384,738/mo (50% DSR)
Upfront cash ≈ HK$29.27M (deposit + AVD stamp duty HK$2,811,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,380
−HK$10,880/mo
▼ 0.25% · 3.875%
HK$206,781
−HK$5,479/mo
Today · 4.125%
HK$212,260
baseline
▲ 0.50% · 4.625%
HK$223,448
+HK$11,188/mo
Deposit HK$26.46M · loan HK$39.69M · min. income ≈ HK$424,520/mo (50% DSR)
Upfront cash ≈ HK$29.27M (deposit + AVD stamp duty HK$2,811,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,187
−HK$13,243/mo
▼ 0.25% · 3.875%
HK$217,756
−HK$6,674/mo
Today · 4.125%
HK$224,430
baseline
▲ 0.50% · 4.625%
HK$238,086
+HK$13,656/mo
Deposit HK$19.85M · loan HK$46.31M · min. income ≈ HK$448,860/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$2,811,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,943
−HK$12,694/mo
▼ 0.25% · 3.875%
HK$241,244
−HK$6,393/mo
Today · 4.125%
HK$247,637
baseline
▲ 0.50% · 4.625%
HK$260,690
+HK$13,053/mo
Deposit HK$19.85M · loan HK$46.31M · min. income ≈ HK$495,274/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$2,811,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,526
−HK$17,027/mo
▼ 0.25% · 3.875%
HK$279,972
−HK$8,581/mo
Today · 4.125%
HK$288,553
baseline
▲ 0.50% · 4.625%
HK$306,111
+HK$17,558/mo
Deposit HK$6.62M · loan HK$59.54M · min. income ≈ HK$577,106/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,811,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,070
−HK$16,320/mo
▼ 0.25% · 3.875%
HK$310,171
−HK$8,219/mo
Today · 4.125%
HK$318,390
baseline
▲ 0.50% · 4.625%
HK$335,173
+HK$16,783/mo
Deposit HK$6.62M · loan HK$59.54M · min. income ≈ HK$636,780/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,811,540 · Scale 2, in force from 26 Feb 2026)