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$158,808
−HK$9,959/mo
▼ 0.25% · 3.875%
HK$163,748
−HK$5,019/mo
Today · 4.125%
HK$168,767
baseline
▲ 0.50% · 4.625%
HK$179,036
+HK$10,269/mo
Deposit HK$34.82M · loan HK$34.82M · min. income ≈ HK$337,534/mo (50% DSR)
Upfront cash ≈ HK$37.78M (deposit + AVD stamp duty HK$2,959,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,673
−HK$9,545/mo
▼ 0.25% · 3.875%
HK$181,411
−HK$4,807/mo
Today · 4.125%
HK$186,218
baseline
▲ 0.50% · 4.625%
HK$196,034
+HK$9,816/mo
Deposit HK$34.82M · loan HK$34.82M · min. income ≈ HK$372,436/mo (50% DSR)
Upfront cash ≈ HK$37.78M (deposit + AVD stamp duty HK$2,959,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,570
−HK$11,951/mo
▼ 0.25% · 3.875%
HK$196,498
−HK$6,023/mo
Today · 4.125%
HK$202,521
baseline
▲ 0.50% · 4.625%
HK$214,843
+HK$12,322/mo
Deposit HK$27.86M · loan HK$41.79M · min. income ≈ HK$405,042/mo (50% DSR)
Upfront cash ≈ HK$30.82M (deposit + AVD stamp duty HK$2,959,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,007
−HK$11,454/mo
▼ 0.25% · 3.875%
HK$217,693
−HK$5,768/mo
Today · 4.125%
HK$223,461
baseline
▲ 0.50% · 4.625%
HK$235,240
+HK$11,779/mo
Deposit HK$27.86M · loan HK$41.79M · min. income ≈ HK$446,922/mo (50% DSR)
Upfront cash ≈ HK$30.82M (deposit + AVD stamp duty HK$2,959,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,332
−HK$13,942/mo
▼ 0.25% · 3.875%
HK$229,248
−HK$7,026/mo
Today · 4.125%
HK$236,274
baseline
▲ 0.50% · 4.625%
HK$250,651
+HK$14,377/mo
Deposit HK$20.89M · loan HK$48.75M · min. income ≈ HK$472,548/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$2,959,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,342
−HK$13,363/mo
▼ 0.25% · 3.875%
HK$253,976
−HK$6,729/mo
Today · 4.125%
HK$260,705
baseline
▲ 0.50% · 4.625%
HK$274,447
+HK$13,742/mo
Deposit HK$20.89M · loan HK$48.75M · min. income ≈ HK$521,410/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$2,959,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,855
−HK$17,926/mo
▼ 0.25% · 3.875%
HK$294,747
−HK$9,034/mo
Today · 4.125%
HK$303,781
baseline
▲ 0.50% · 4.625%
HK$322,265
+HK$18,484/mo
Deposit HK$6.96M · loan HK$62.68M · min. income ≈ HK$607,562/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$2,959,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,011
−HK$17,181/mo
▼ 0.25% · 3.875%
HK$326,540
−HK$8,652/mo
Today · 4.125%
HK$335,192
baseline
▲ 0.50% · 4.625%
HK$352,861
+HK$17,669/mo
Deposit HK$6.96M · loan HK$62.68M · min. income ≈ HK$670,384/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$2,959,913 · Scale 2, in force from 26 Feb 2026)