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$159,193
−HK$9,983/mo
▼ 0.25% · 3.875%
HK$164,145
−HK$5,031/mo
Today · 4.125%
HK$169,176
baseline
▲ 0.50% · 4.625%
HK$179,470
+HK$10,294/mo
Deposit HK$34.91M · loan HK$34.91M · min. income ≈ HK$338,352/mo (50% DSR)
Upfront cash ≈ HK$37.87M (deposit + AVD stamp duty HK$2,967,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,101
−HK$9,568/mo
▼ 0.25% · 3.875%
HK$181,851
−HK$4,818/mo
Today · 4.125%
HK$186,669
baseline
▲ 0.50% · 4.625%
HK$196,509
+HK$9,840/mo
Deposit HK$34.91M · loan HK$34.91M · min. income ≈ HK$373,338/mo (50% DSR)
Upfront cash ≈ HK$37.87M (deposit + AVD stamp duty HK$2,967,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,032
−HK$11,979/mo
▼ 0.25% · 3.875%
HK$196,974
−HK$6,037/mo
Today · 4.125%
HK$203,011
baseline
▲ 0.50% · 4.625%
HK$215,364
+HK$12,353/mo
Deposit HK$27.93M · loan HK$41.89M · min. income ≈ HK$406,022/mo (50% DSR)
Upfront cash ≈ HK$30.89M (deposit + AVD stamp duty HK$2,967,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,521
−HK$11,482/mo
▼ 0.25% · 3.875%
HK$218,221
−HK$5,782/mo
Today · 4.125%
HK$224,003
baseline
▲ 0.50% · 4.625%
HK$235,810
+HK$11,807/mo
Deposit HK$27.93M · loan HK$41.89M · min. income ≈ HK$448,006/mo (50% DSR)
Upfront cash ≈ HK$30.89M (deposit + AVD stamp duty HK$2,967,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,871
−HK$13,975/mo
▼ 0.25% · 3.875%
HK$229,803
−HK$7,043/mo
Today · 4.125%
HK$236,846
baseline
▲ 0.50% · 4.625%
HK$251,258
+HK$14,412/mo
Deposit HK$20.94M · loan HK$48.87M · min. income ≈ HK$473,692/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$2,967,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,941
−HK$13,396/mo
▼ 0.25% · 3.875%
HK$254,591
−HK$6,746/mo
Today · 4.125%
HK$261,337
baseline
▲ 0.50% · 4.625%
HK$275,112
+HK$13,775/mo
Deposit HK$20.94M · loan HK$48.87M · min. income ≈ HK$522,674/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$2,967,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,548
−HK$17,969/mo
▼ 0.25% · 3.875%
HK$295,461
−HK$9,056/mo
Today · 4.125%
HK$304,517
baseline
▲ 0.50% · 4.625%
HK$323,046
+HK$18,529/mo
Deposit HK$6.98M · loan HK$62.83M · min. income ≈ HK$609,034/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$2,967,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,782
−HK$17,222/mo
▼ 0.25% · 3.875%
HK$327,331
−HK$8,673/mo
Today · 4.125%
HK$336,004
baseline
▲ 0.50% · 4.625%
HK$353,716
+HK$17,712/mo
Deposit HK$6.98M · loan HK$62.83M · min. income ≈ HK$672,008/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$2,967,084 · Scale 2, in force from 26 Feb 2026)