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$152,548
−HK$9,566/mo
▼ 0.25% · 3.875%
HK$157,293
−HK$4,821/mo
Today · 4.125%
HK$162,114
baseline
▲ 0.50% · 4.625%
HK$171,978
+HK$9,864/mo
Deposit HK$33.45M · loan HK$33.45M · min. income ≈ HK$324,228/mo (50% DSR)
Upfront cash ≈ HK$36.29M (deposit + AVD stamp duty HK$2,843,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,708
−HK$9,168/mo
▼ 0.25% · 3.875%
HK$174,259
−HK$4,617/mo
Today · 4.125%
HK$178,876
baseline
▲ 0.50% · 4.625%
HK$188,305
+HK$9,429/mo
Deposit HK$33.45M · loan HK$33.45M · min. income ≈ HK$357,752/mo (50% DSR)
Upfront cash ≈ HK$36.29M (deposit + AVD stamp duty HK$2,843,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,057
−HK$11,479/mo
▼ 0.25% · 3.875%
HK$188,751
−HK$5,785/mo
Today · 4.125%
HK$194,536
baseline
▲ 0.50% · 4.625%
HK$206,373
+HK$11,837/mo
Deposit HK$26.76M · loan HK$40.14M · min. income ≈ HK$389,072/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,843,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,649
−HK$11,003/mo
▼ 0.25% · 3.875%
HK$209,111
−HK$5,541/mo
Today · 4.125%
HK$214,652
baseline
▲ 0.50% · 4.625%
HK$225,966
+HK$11,314/mo
Deposit HK$26.76M · loan HK$40.14M · min. income ≈ HK$429,304/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,843,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,567
−HK$13,392/mo
▼ 0.25% · 3.875%
HK$220,210
−HK$6,749/mo
Today · 4.125%
HK$226,959
baseline
▲ 0.50% · 4.625%
HK$240,769
+HK$13,810/mo
Deposit HK$20.07M · loan HK$46.83M · min. income ≈ HK$453,918/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,843,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,591
−HK$12,836/mo
▼ 0.25% · 3.875%
HK$243,963
−HK$6,464/mo
Today · 4.125%
HK$250,427
baseline
▲ 0.50% · 4.625%
HK$263,627
+HK$13,200/mo
Deposit HK$20.07M · loan HK$46.83M · min. income ≈ HK$500,854/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,843,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,586
−HK$17,218/mo
▼ 0.25% · 3.875%
HK$283,127
−HK$8,677/mo
Today · 4.125%
HK$291,804
baseline
▲ 0.50% · 4.625%
HK$309,560
+HK$17,756/mo
Deposit HK$6.69M · loan HK$60.21M · min. income ≈ HK$583,608/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,843,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,474
−HK$16,503/mo
▼ 0.25% · 3.875%
HK$313,666
−HK$8,311/mo
Today · 4.125%
HK$321,977
baseline
▲ 0.50% · 4.625%
HK$338,949
+HK$16,972/mo
Deposit HK$6.69M · loan HK$60.21M · min. income ≈ HK$643,954/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,843,220 · Scale 2, in force from 26 Feb 2026)