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$150,337
−HK$9,428/mo
▼ 0.25% · 3.875%
HK$155,014
−HK$4,751/mo
Today · 4.125%
HK$159,765
baseline
▲ 0.50% · 4.625%
HK$169,486
+HK$9,721/mo
Deposit HK$32.97M · loan HK$32.97M · min. income ≈ HK$319,530/mo (50% DSR)
Upfront cash ≈ HK$35.77M (deposit + AVD stamp duty HK$2,802,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,249
−HK$9,036/mo
▼ 0.25% · 3.875%
HK$171,734
−HK$4,551/mo
Today · 4.125%
HK$176,285
baseline
▲ 0.50% · 4.625%
HK$185,577
+HK$9,292/mo
Deposit HK$32.97M · loan HK$32.97M · min. income ≈ HK$352,570/mo (50% DSR)
Upfront cash ≈ HK$35.77M (deposit + AVD stamp duty HK$2,802,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,405
−HK$11,313/mo
▼ 0.25% · 3.875%
HK$186,017
−HK$5,701/mo
Today · 4.125%
HK$191,718
baseline
▲ 0.50% · 4.625%
HK$203,384
+HK$11,666/mo
Deposit HK$26.37M · loan HK$39.56M · min. income ≈ HK$383,436/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,802,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,699
−HK$10,843/mo
▼ 0.25% · 3.875%
HK$206,081
−HK$5,461/mo
Today · 4.125%
HK$211,542
baseline
▲ 0.50% · 4.625%
HK$222,693
+HK$11,151/mo
Deposit HK$26.37M · loan HK$39.56M · min. income ≈ HK$423,084/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,802,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,472
−HK$13,199/mo
▼ 0.25% · 3.875%
HK$217,019
−HK$6,652/mo
Today · 4.125%
HK$223,671
baseline
▲ 0.50% · 4.625%
HK$237,281
+HK$13,610/mo
Deposit HK$19.78M · loan HK$46.15M · min. income ≈ HK$447,342/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,802,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,149
−HK$12,650/mo
▼ 0.25% · 3.875%
HK$240,428
−HK$6,371/mo
Today · 4.125%
HK$246,799
baseline
▲ 0.50% · 4.625%
HK$259,808
+HK$13,009/mo
Deposit HK$19.78M · loan HK$46.15M · min. income ≈ HK$493,598/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,802,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,607
−HK$16,970/mo
▼ 0.25% · 3.875%
HK$279,025
−HK$8,552/mo
Today · 4.125%
HK$287,577
baseline
▲ 0.50% · 4.625%
HK$305,075
+HK$17,498/mo
Deposit HK$6.59M · loan HK$59.34M · min. income ≈ HK$575,154/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$2,802,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,048
−HK$16,265/mo
▼ 0.25% · 3.875%
HK$309,122
−HK$8,191/mo
Today · 4.125%
HK$317,313
baseline
▲ 0.50% · 4.625%
HK$334,039
+HK$16,726/mo
Deposit HK$6.59M · loan HK$59.34M · min. income ≈ HK$634,626/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$2,802,029 · Scale 2, in force from 26 Feb 2026)