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$148,028
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$152,633
−HK$4,678/mo
Today · 4.125%
HK$157,311
baseline
▲ 0.50% · 4.625%
HK$166,883
+HK$9,572/mo
Deposit HK$32.46M · loan HK$32.46M · min. income ≈ HK$314,622/mo (50% DSR)
Upfront cash ≈ HK$35.22M (deposit + AVD stamp duty HK$2,758,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,680
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$169,097
−HK$4,480/mo
Today · 4.125%
HK$173,577
baseline
▲ 0.50% · 4.625%
HK$182,727
+HK$9,150/mo
Deposit HK$32.46M · loan HK$32.46M · min. income ≈ HK$347,154/mo (50% DSR)
Upfront cash ≈ HK$35.22M (deposit + AVD stamp duty HK$2,758,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,634
−HK$11,139/mo
▼ 0.25% · 3.875%
HK$183,159
−HK$5,614/mo
Today · 4.125%
HK$188,773
baseline
▲ 0.50% · 4.625%
HK$200,260
+HK$11,487/mo
Deposit HK$25.97M · loan HK$38.95M · min. income ≈ HK$377,546/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,758,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,616
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$202,916
−HK$5,377/mo
Today · 4.125%
HK$208,293
baseline
▲ 0.50% · 4.625%
HK$219,272
+HK$10,979/mo
Deposit HK$25.97M · loan HK$38.95M · min. income ≈ HK$416,586/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,758,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,240
−HK$12,995/mo
▼ 0.25% · 3.875%
HK$213,686
−HK$6,549/mo
Today · 4.125%
HK$220,235
baseline
▲ 0.50% · 4.625%
HK$233,636
+HK$13,401/mo
Deposit HK$19.48M · loan HK$45.44M · min. income ≈ HK$440,470/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$2,758,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,552
−HK$12,456/mo
▼ 0.25% · 3.875%
HK$236,735
−HK$6,273/mo
Today · 4.125%
HK$243,008
baseline
▲ 0.50% · 4.625%
HK$255,817
+HK$12,809/mo
Deposit HK$19.48M · loan HK$45.44M · min. income ≈ HK$486,016/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$2,758,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,451
−HK$16,709/mo
▼ 0.25% · 3.875%
HK$274,739
−HK$8,421/mo
Today · 4.125%
HK$283,160
baseline
▲ 0.50% · 4.625%
HK$300,389
+HK$17,229/mo
Deposit HK$6.49M · loan HK$58.43M · min. income ≈ HK$566,320/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$2,758,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,424
−HK$16,015/mo
▼ 0.25% · 3.875%
HK$304,374
−HK$8,065/mo
Today · 4.125%
HK$312,439
baseline
▲ 0.50% · 4.625%
HK$328,908
+HK$16,469/mo
Deposit HK$6.49M · loan HK$58.43M · min. income ≈ HK$624,878/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$2,758,989 · Scale 2, in force from 26 Feb 2026)