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$156,336
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$161,199
−HK$4,941/mo
Today · 4.125%
HK$166,140
baseline
▲ 0.50% · 4.625%
HK$176,249
+HK$10,109/mo
Deposit HK$34.28M · loan HK$34.28M · min. income ≈ HK$332,280/mo (50% DSR)
Upfront cash ≈ HK$37.19M (deposit + AVD stamp duty HK$2,913,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,922
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$178,587
−HK$4,732/mo
Today · 4.125%
HK$183,319
baseline
▲ 0.50% · 4.625%
HK$192,982
+HK$9,663/mo
Deposit HK$34.28M · loan HK$34.28M · min. income ≈ HK$366,638/mo (50% DSR)
Upfront cash ≈ HK$37.19M (deposit + AVD stamp duty HK$2,913,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,603
−HK$11,765/mo
▼ 0.25% · 3.875%
HK$193,439
−HK$5,929/mo
Today · 4.125%
HK$199,368
baseline
▲ 0.50% · 4.625%
HK$211,499
+HK$12,131/mo
Deposit HK$27.42M · loan HK$41.14M · min. income ≈ HK$398,736/mo (50% DSR)
Upfront cash ≈ HK$30.34M (deposit + AVD stamp duty HK$2,913,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,707
−HK$11,276/mo
▼ 0.25% · 3.875%
HK$214,304
−HK$5,679/mo
Today · 4.125%
HK$219,983
baseline
▲ 0.50% · 4.625%
HK$231,578
+HK$11,595/mo
Deposit HK$27.42M · loan HK$41.14M · min. income ≈ HK$439,966/mo (50% DSR)
Upfront cash ≈ HK$30.34M (deposit + AVD stamp duty HK$2,913,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,871
−HK$13,725/mo
▼ 0.25% · 3.875%
HK$225,679
−HK$6,917/mo
Today · 4.125%
HK$232,596
baseline
▲ 0.50% · 4.625%
HK$246,749
+HK$14,153/mo
Deposit HK$20.57M · loan HK$47.99M · min. income ≈ HK$465,192/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,913,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,491
−HK$13,155/mo
▼ 0.25% · 3.875%
HK$250,022
−HK$6,624/mo
Today · 4.125%
HK$256,646
baseline
▲ 0.50% · 4.625%
HK$270,175
+HK$13,529/mo
Deposit HK$20.57M · loan HK$47.99M · min. income ≈ HK$513,292/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,913,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,405
−HK$17,647/mo
▼ 0.25% · 3.875%
HK$290,158
−HK$8,894/mo
Today · 4.125%
HK$299,052
baseline
▲ 0.50% · 4.625%
HK$317,248
+HK$18,196/mo
Deposit HK$6.86M · loan HK$61.70M · min. income ≈ HK$598,104/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$2,913,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,060
−HK$16,914/mo
▼ 0.25% · 3.875%
HK$321,456
−HK$8,518/mo
Today · 4.125%
HK$329,974
baseline
▲ 0.50% · 4.625%
HK$347,367
+HK$17,393/mo
Deposit HK$6.86M · loan HK$61.70M · min. income ≈ HK$659,948/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$2,913,833 · Scale 2, in force from 26 Feb 2026)