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$158,456
−HK$9,937/mo
▼ 0.25% · 3.875%
HK$163,385
−HK$5,008/mo
Today · 4.125%
HK$168,393
baseline
▲ 0.50% · 4.625%
HK$178,639
+HK$10,246/mo
Deposit HK$34.75M · loan HK$34.75M · min. income ≈ HK$336,786/mo (50% DSR)
Upfront cash ≈ HK$37.70M (deposit + AVD stamp duty HK$2,953,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,281
−HK$9,524/mo
▼ 0.25% · 3.875%
HK$181,009
−HK$4,796/mo
Today · 4.125%
HK$185,805
baseline
▲ 0.50% · 4.625%
HK$195,599
+HK$9,794/mo
Deposit HK$34.75M · loan HK$34.75M · min. income ≈ HK$371,610/mo (50% DSR)
Upfront cash ≈ HK$37.70M (deposit + AVD stamp duty HK$2,953,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,147
−HK$11,924/mo
▼ 0.25% · 3.875%
HK$196,062
−HK$6,009/mo
Today · 4.125%
HK$202,071
baseline
▲ 0.50% · 4.625%
HK$214,367
+HK$12,296/mo
Deposit HK$27.80M · loan HK$41.69M · min. income ≈ HK$404,142/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,953,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,537
−HK$11,429/mo
▼ 0.25% · 3.875%
HK$217,210
−HK$5,756/mo
Today · 4.125%
HK$222,966
baseline
▲ 0.50% · 4.625%
HK$234,718
+HK$11,752/mo
Deposit HK$27.80M · loan HK$41.69M · min. income ≈ HK$445,932/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,953,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,838
−HK$13,912/mo
▼ 0.25% · 3.875%
HK$228,739
−HK$7,011/mo
Today · 4.125%
HK$235,750
baseline
▲ 0.50% · 4.625%
HK$250,095
+HK$14,345/mo
Deposit HK$20.85M · loan HK$48.64M · min. income ≈ HK$471,500/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,953,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,793
−HK$13,334/mo
▼ 0.25% · 3.875%
HK$253,412
−HK$6,715/mo
Today · 4.125%
HK$260,127
baseline
▲ 0.50% · 4.625%
HK$273,838
+HK$13,711/mo
Deposit HK$20.85M · loan HK$48.64M · min. income ≈ HK$520,254/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,953,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,221
−HK$17,886/mo
▼ 0.25% · 3.875%
HK$294,093
−HK$9,014/mo
Today · 4.125%
HK$303,107
baseline
▲ 0.50% · 4.625%
HK$321,550
+HK$18,443/mo
Deposit HK$6.95M · loan HK$62.54M · min. income ≈ HK$606,214/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,953,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,305
−HK$17,143/mo
▼ 0.25% · 3.875%
HK$325,815
−HK$8,633/mo
Today · 4.125%
HK$334,448
baseline
▲ 0.50% · 4.625%
HK$352,078
+HK$17,630/mo
Deposit HK$6.95M · loan HK$62.54M · min. income ≈ HK$668,896/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,953,345 · Scale 2, in force from 26 Feb 2026)