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$149,158
−HK$9,354/mo
▼ 0.25% · 3.875%
HK$153,798
−HK$4,714/mo
Today · 4.125%
HK$158,512
baseline
▲ 0.50% · 4.625%
HK$168,157
+HK$9,645/mo
Deposit HK$32.71M · loan HK$32.71M · min. income ≈ HK$317,024/mo (50% DSR)
Upfront cash ≈ HK$35.49M (deposit + AVD stamp duty HK$2,780,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,937
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$170,387
−HK$4,515/mo
Today · 4.125%
HK$174,902
baseline
▲ 0.50% · 4.625%
HK$184,121
+HK$9,219/mo
Deposit HK$32.71M · loan HK$32.71M · min. income ≈ HK$349,804/mo (50% DSR)
Upfront cash ≈ HK$35.49M (deposit + AVD stamp duty HK$2,780,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,990
−HK$11,224/mo
▼ 0.25% · 3.875%
HK$184,557
−HK$5,657/mo
Today · 4.125%
HK$190,214
baseline
▲ 0.50% · 4.625%
HK$201,788
+HK$11,574/mo
Deposit HK$26.17M · loan HK$39.25M · min. income ≈ HK$380,428/mo (50% DSR)
Upfront cash ≈ HK$28.95M (deposit + AVD stamp duty HK$2,780,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,124
−HK$10,758/mo
▼ 0.25% · 3.875%
HK$204,465
−HK$5,417/mo
Today · 4.125%
HK$209,882
baseline
▲ 0.50% · 4.625%
HK$220,946
+HK$11,064/mo
Deposit HK$26.17M · loan HK$39.25M · min. income ≈ HK$419,764/mo (50% DSR)
Upfront cash ≈ HK$28.95M (deposit + AVD stamp duty HK$2,780,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,821
−HK$13,095/mo
▼ 0.25% · 3.875%
HK$215,317
−HK$6,599/mo
Today · 4.125%
HK$221,916
baseline
▲ 0.50% · 4.625%
HK$235,419
+HK$13,503/mo
Deposit HK$19.62M · loan HK$45.79M · min. income ≈ HK$443,832/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,780,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,312
−HK$12,551/mo
▼ 0.25% · 3.875%
HK$238,542
−HK$6,321/mo
Today · 4.125%
HK$244,863
baseline
▲ 0.50% · 4.625%
HK$257,770
+HK$12,907/mo
Deposit HK$19.62M · loan HK$45.79M · min. income ≈ HK$489,726/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,780,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,485
−HK$16,836/mo
▼ 0.25% · 3.875%
HK$276,836
−HK$8,485/mo
Today · 4.125%
HK$285,321
baseline
▲ 0.50% · 4.625%
HK$302,682
+HK$17,361/mo
Deposit HK$6.54M · loan HK$58.87M · min. income ≈ HK$570,642/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$2,780,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,687
−HK$16,137/mo
▼ 0.25% · 3.875%
HK$306,697
−HK$8,127/mo
Today · 4.125%
HK$314,824
baseline
▲ 0.50% · 4.625%
HK$331,418
+HK$16,594/mo
Deposit HK$6.54M · loan HK$58.87M · min. income ≈ HK$629,648/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$2,780,048 · Scale 2, in force from 26 Feb 2026)