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$150,798
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$155,488
−HK$4,766/mo
Today · 4.125%
HK$160,254
baseline
▲ 0.50% · 4.625%
HK$170,005
+HK$9,751/mo
Deposit HK$33.07M · loan HK$33.07M · min. income ≈ HK$320,508/mo (50% DSR)
Upfront cash ≈ HK$35.88M (deposit + AVD stamp duty HK$2,810,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,761
−HK$9,063/mo
▼ 0.25% · 3.875%
HK$172,260
−HK$4,564/mo
Today · 4.125%
HK$176,824
baseline
▲ 0.50% · 4.625%
HK$186,145
+HK$9,321/mo
Deposit HK$33.07M · loan HK$33.07M · min. income ≈ HK$353,648/mo (50% DSR)
Upfront cash ≈ HK$35.88M (deposit + AVD stamp duty HK$2,810,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,957
−HK$11,348/mo
▼ 0.25% · 3.875%
HK$186,586
−HK$5,719/mo
Today · 4.125%
HK$192,305
baseline
▲ 0.50% · 4.625%
HK$204,006
+HK$11,701/mo
Deposit HK$26.45M · loan HK$39.68M · min. income ≈ HK$384,610/mo (50% DSR)
Upfront cash ≈ HK$29.26M (deposit + AVD stamp duty HK$2,810,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,313
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$206,712
−HK$5,477/mo
Today · 4.125%
HK$212,189
baseline
▲ 0.50% · 4.625%
HK$223,374
+HK$11,185/mo
Deposit HK$26.45M · loan HK$39.68M · min. income ≈ HK$424,378/mo (50% DSR)
Upfront cash ≈ HK$29.26M (deposit + AVD stamp duty HK$2,810,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,117
−HK$13,239/mo
▼ 0.25% · 3.875%
HK$217,684
−HK$6,672/mo
Today · 4.125%
HK$224,356
baseline
▲ 0.50% · 4.625%
HK$238,007
+HK$13,651/mo
Deposit HK$19.84M · loan HK$46.29M · min. income ≈ HK$448,712/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,810,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,865
−HK$12,689/mo
▼ 0.25% · 3.875%
HK$241,164
−HK$6,390/mo
Today · 4.125%
HK$247,554
baseline
▲ 0.50% · 4.625%
HK$260,603
+HK$13,049/mo
Deposit HK$19.84M · loan HK$46.29M · min. income ≈ HK$495,108/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,810,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,436
−HK$17,021/mo
▼ 0.25% · 3.875%
HK$279,879
−HK$8,578/mo
Today · 4.125%
HK$288,457
baseline
▲ 0.50% · 4.625%
HK$306,009
+HK$17,552/mo
Deposit HK$6.61M · loan HK$59.52M · min. income ≈ HK$576,914/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$2,810,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,969
−HK$16,315/mo
▼ 0.25% · 3.875%
HK$310,068
−HK$8,216/mo
Today · 4.125%
HK$318,284
baseline
▲ 0.50% · 4.625%
HK$335,061
+HK$16,777/mo
Deposit HK$6.61M · loan HK$59.52M · min. income ≈ HK$636,568/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$2,810,605 · Scale 2, in force from 26 Feb 2026)