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$151,469
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$156,180
−HK$4,787/mo
Today · 4.125%
HK$160,967
baseline
▲ 0.50% · 4.625%
HK$170,762
+HK$9,795/mo
Deposit HK$33.21M · loan HK$33.21M · min. income ≈ HK$321,934/mo (50% DSR)
Upfront cash ≈ HK$36.04M (deposit + AVD stamp duty HK$2,823,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,508
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$173,027
−HK$4,585/mo
Today · 4.125%
HK$177,612
baseline
▲ 0.50% · 4.625%
HK$186,974
+HK$9,362/mo
Deposit HK$33.21M · loan HK$33.21M · min. income ≈ HK$355,224/mo (50% DSR)
Upfront cash ≈ HK$36.04M (deposit + AVD stamp duty HK$2,823,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,763
−HK$11,398/mo
▼ 0.25% · 3.875%
HK$187,417
−HK$5,744/mo
Today · 4.125%
HK$193,161
baseline
▲ 0.50% · 4.625%
HK$204,914
+HK$11,753/mo
Deposit HK$26.57M · loan HK$39.86M · min. income ≈ HK$386,322/mo (50% DSR)
Upfront cash ≈ HK$29.39M (deposit + AVD stamp duty HK$2,823,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,209
−HK$10,925/mo
▼ 0.25% · 3.875%
HK$207,632
−HK$5,502/mo
Today · 4.125%
HK$213,134
baseline
▲ 0.50% · 4.625%
HK$224,369
+HK$11,235/mo
Deposit HK$26.57M · loan HK$39.86M · min. income ≈ HK$426,268/mo (50% DSR)
Upfront cash ≈ HK$29.39M (deposit + AVD stamp duty HK$2,823,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,057
−HK$13,297/mo
▼ 0.25% · 3.875%
HK$218,653
−HK$6,701/mo
Today · 4.125%
HK$225,354
baseline
▲ 0.50% · 4.625%
HK$239,067
+HK$13,713/mo
Deposit HK$19.93M · loan HK$46.50M · min. income ≈ HK$450,708/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,823,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,911
−HK$12,745/mo
▼ 0.25% · 3.875%
HK$242,238
−HK$6,418/mo
Today · 4.125%
HK$248,656
baseline
▲ 0.50% · 4.625%
HK$261,763
+HK$13,107/mo
Deposit HK$19.93M · loan HK$46.50M · min. income ≈ HK$497,312/mo (50% DSR)
Upfront cash ≈ HK$22.75M (deposit + AVD stamp duty HK$2,823,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,644
−HK$17,097/mo
▼ 0.25% · 3.875%
HK$281,125
−HK$8,616/mo
Today · 4.125%
HK$289,741
baseline
▲ 0.50% · 4.625%
HK$307,371
+HK$17,630/mo
Deposit HK$6.64M · loan HK$59.78M · min. income ≈ HK$579,482/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$2,823,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,314
−HK$16,387/mo
▼ 0.25% · 3.875%
HK$311,449
−HK$8,252/mo
Today · 4.125%
HK$319,701
baseline
▲ 0.50% · 4.625%
HK$336,553
+HK$16,852/mo
Deposit HK$6.64M · loan HK$59.78M · min. income ≈ HK$639,402/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$2,823,117 · Scale 2, in force from 26 Feb 2026)