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$155,403
−HK$9,746/mo
▼ 0.25% · 3.875%
HK$160,237
−HK$4,912/mo
Today · 4.125%
HK$165,149
baseline
▲ 0.50% · 4.625%
HK$175,198
+HK$10,049/mo
Deposit HK$34.08M · loan HK$34.08M · min. income ≈ HK$330,298/mo (50% DSR)
Upfront cash ≈ HK$36.97M (deposit + AVD stamp duty HK$2,896,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,885
−HK$9,340/mo
▼ 0.25% · 3.875%
HK$177,521
−HK$4,704/mo
Today · 4.125%
HK$182,225
baseline
▲ 0.50% · 4.625%
HK$191,831
+HK$9,606/mo
Deposit HK$34.08M · loan HK$34.08M · min. income ≈ HK$364,450/mo (50% DSR)
Upfront cash ≈ HK$36.97M (deposit + AVD stamp duty HK$2,896,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,484
−HK$11,694/mo
▼ 0.25% · 3.875%
HK$192,285
−HK$5,893/mo
Today · 4.125%
HK$198,178
baseline
▲ 0.50% · 4.625%
HK$210,237
+HK$12,059/mo
Deposit HK$27.26M · loan HK$40.89M · min. income ≈ HK$396,356/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,896,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,462
−HK$11,208/mo
▼ 0.25% · 3.875%
HK$213,026
−HK$5,644/mo
Today · 4.125%
HK$218,670
baseline
▲ 0.50% · 4.625%
HK$230,197
+HK$11,527/mo
Deposit HK$27.26M · loan HK$40.89M · min. income ≈ HK$437,340/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,896,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,565
−HK$13,643/mo
▼ 0.25% · 3.875%
HK$224,332
−HK$6,876/mo
Today · 4.125%
HK$231,208
baseline
▲ 0.50% · 4.625%
HK$245,277
+HK$14,069/mo
Deposit HK$20.45M · loan HK$47.71M · min. income ≈ HK$462,416/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,896,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,039
−HK$13,076/mo
▼ 0.25% · 3.875%
HK$248,530
−HK$6,585/mo
Today · 4.125%
HK$255,115
baseline
▲ 0.50% · 4.625%
HK$268,563
+HK$13,448/mo
Deposit HK$20.45M · loan HK$47.71M · min. income ≈ HK$510,230/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,896,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,726
−HK$17,541/mo
▼ 0.25% · 3.875%
HK$288,427
−HK$8,840/mo
Today · 4.125%
HK$297,267
baseline
▲ 0.50% · 4.625%
HK$315,356
+HK$18,089/mo
Deposit HK$6.82M · loan HK$61.34M · min. income ≈ HK$594,534/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$2,896,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,193
−HK$16,812/mo
▼ 0.25% · 3.875%
HK$319,539
−HK$8,466/mo
Today · 4.125%
HK$328,005
baseline
▲ 0.50% · 4.625%
HK$345,295
+HK$17,290/mo
Deposit HK$6.82M · loan HK$61.34M · min. income ≈ HK$656,010/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$2,896,449 · Scale 2, in force from 26 Feb 2026)