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$158,965
−HK$9,969/mo
▼ 0.25% · 3.875%
HK$163,910
−HK$5,024/mo
Today · 4.125%
HK$168,934
baseline
▲ 0.50% · 4.625%
HK$179,213
+HK$10,279/mo
Deposit HK$34.86M · loan HK$34.86M · min. income ≈ HK$337,868/mo (50% DSR)
Upfront cash ≈ HK$37.82M (deposit + AVD stamp duty HK$2,962,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,847
−HK$9,555/mo
▼ 0.25% · 3.875%
HK$181,590
−HK$4,812/mo
Today · 4.125%
HK$186,402
baseline
▲ 0.50% · 4.625%
HK$196,227
+HK$9,825/mo
Deposit HK$34.86M · loan HK$34.86M · min. income ≈ HK$372,804/mo (50% DSR)
Upfront cash ≈ HK$37.82M (deposit + AVD stamp duty HK$2,962,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,758
−HK$11,962/mo
▼ 0.25% · 3.875%
HK$196,692
−HK$6,028/mo
Today · 4.125%
HK$202,720
baseline
▲ 0.50% · 4.625%
HK$215,056
+HK$12,336/mo
Deposit HK$27.89M · loan HK$41.83M · min. income ≈ HK$405,440/mo (50% DSR)
Upfront cash ≈ HK$30.85M (deposit + AVD stamp duty HK$2,962,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,217
−HK$11,465/mo
▼ 0.25% · 3.875%
HK$217,908
−HK$5,774/mo
Today · 4.125%
HK$223,682
baseline
▲ 0.50% · 4.625%
HK$235,473
+HK$11,791/mo
Deposit HK$27.89M · loan HK$41.83M · min. income ≈ HK$447,364/mo (50% DSR)
Upfront cash ≈ HK$30.85M (deposit + AVD stamp duty HK$2,962,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,551
−HK$13,956/mo
▼ 0.25% · 3.875%
HK$229,474
−HK$7,033/mo
Today · 4.125%
HK$236,507
baseline
▲ 0.50% · 4.625%
HK$250,898
+HK$14,391/mo
Deposit HK$20.91M · loan HK$48.80M · min. income ≈ HK$473,014/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$2,962,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,586
−HK$13,376/mo
▼ 0.25% · 3.875%
HK$254,226
−HK$6,736/mo
Today · 4.125%
HK$260,962
baseline
▲ 0.50% · 4.625%
HK$274,718
+HK$13,756/mo
Deposit HK$20.91M · loan HK$48.80M · min. income ≈ HK$521,924/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$2,962,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$286,137
−HK$17,944/mo
▼ 0.25% · 3.875%
HK$295,038
−HK$9,043/mo
Today · 4.125%
HK$304,081
baseline
▲ 0.50% · 4.625%
HK$322,583
+HK$18,502/mo
Deposit HK$6.97M · loan HK$62.74M · min. income ≈ HK$608,162/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$2,962,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$318,325
−HK$17,198/mo
▼ 0.25% · 3.875%
HK$326,862
−HK$8,661/mo
Today · 4.125%
HK$335,523
baseline
▲ 0.50% · 4.625%
HK$353,209
+HK$17,686/mo
Deposit HK$6.97M · loan HK$62.74M · min. income ≈ HK$671,046/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$2,962,834 · Scale 2, in force from 26 Feb 2026)