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$153,901
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$158,689
−HK$4,863/mo
Today · 4.125%
HK$163,552
baseline
▲ 0.50% · 4.625%
HK$173,504
+HK$9,952/mo
Deposit HK$33.75M · loan HK$33.75M · min. income ≈ HK$327,104/mo (50% DSR)
Upfront cash ≈ HK$36.61M (deposit + AVD stamp duty HK$2,868,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,214
−HK$9,250/mo
▼ 0.25% · 3.875%
HK$175,806
−HK$4,658/mo
Today · 4.125%
HK$180,464
baseline
▲ 0.50% · 4.625%
HK$189,976
+HK$9,512/mo
Deposit HK$33.75M · loan HK$33.75M · min. income ≈ HK$360,928/mo (50% DSR)
Upfront cash ≈ HK$36.61M (deposit + AVD stamp duty HK$2,868,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,682
−HK$11,581/mo
▼ 0.25% · 3.875%
HK$190,426
−HK$5,837/mo
Today · 4.125%
HK$196,263
baseline
▲ 0.50% · 4.625%
HK$208,205
+HK$11,942/mo
Deposit HK$27.00M · loan HK$40.50M · min. income ≈ HK$392,526/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,868,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,456
−HK$11,101/mo
▼ 0.25% · 3.875%
HK$210,967
−HK$5,590/mo
Today · 4.125%
HK$216,557
baseline
▲ 0.50% · 4.625%
HK$227,972
+HK$11,415/mo
Deposit HK$27.00M · loan HK$40.50M · min. income ≈ HK$433,114/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,868,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,462
−HK$13,511/mo
▼ 0.25% · 3.875%
HK$222,164
−HK$6,809/mo
Today · 4.125%
HK$228,973
baseline
▲ 0.50% · 4.625%
HK$242,906
+HK$13,933/mo
Deposit HK$20.25M · loan HK$47.25M · min. income ≈ HK$457,946/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,868,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,699
−HK$12,950/mo
▼ 0.25% · 3.875%
HK$246,128
−HK$6,521/mo
Today · 4.125%
HK$252,649
baseline
▲ 0.50% · 4.625%
HK$265,967
+HK$13,318/mo
Deposit HK$20.25M · loan HK$47.25M · min. income ≈ HK$505,298/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,868,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,022
−HK$17,372/mo
▼ 0.25% · 3.875%
HK$285,639
−HK$8,755/mo
Today · 4.125%
HK$294,394
baseline
▲ 0.50% · 4.625%
HK$312,307
+HK$17,913/mo
Deposit HK$6.75M · loan HK$60.74M · min. income ≈ HK$588,788/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$2,868,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,185
−HK$16,650/mo
▼ 0.25% · 3.875%
HK$316,450
−HK$8,385/mo
Today · 4.125%
HK$324,835
baseline
▲ 0.50% · 4.625%
HK$341,957
+HK$17,122/mo
Deposit HK$6.75M · loan HK$60.74M · min. income ≈ HK$649,670/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$2,868,453 · Scale 2, in force from 26 Feb 2026)