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$148,364
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$152,979
−HK$4,688/mo
Today · 4.125%
HK$157,667
baseline
▲ 0.50% · 4.625%
HK$167,261
+HK$9,594/mo
Deposit HK$32.53M · loan HK$32.53M · min. income ≈ HK$315,334/mo (50% DSR)
Upfront cash ≈ HK$35.30M (deposit + AVD stamp duty HK$2,765,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,053
−HK$8,917/mo
▼ 0.25% · 3.875%
HK$169,480
−HK$4,490/mo
Today · 4.125%
HK$173,970
baseline
▲ 0.50% · 4.625%
HK$183,141
+HK$9,171/mo
Deposit HK$32.53M · loan HK$32.53M · min. income ≈ HK$347,940/mo (50% DSR)
Upfront cash ≈ HK$35.30M (deposit + AVD stamp duty HK$2,765,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,036
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$183,574
−HK$5,627/mo
Today · 4.125%
HK$189,201
baseline
▲ 0.50% · 4.625%
HK$200,713
+HK$11,512/mo
Deposit HK$26.03M · loan HK$39.04M · min. income ≈ HK$378,402/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,765,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,064
−HK$10,700/mo
▼ 0.25% · 3.875%
HK$203,376
−HK$5,388/mo
Today · 4.125%
HK$208,764
baseline
▲ 0.50% · 4.625%
HK$219,769
+HK$11,005/mo
Deposit HK$26.03M · loan HK$39.04M · min. income ≈ HK$417,528/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,765,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,709
−HK$13,025/mo
▼ 0.25% · 3.875%
HK$214,170
−HK$6,564/mo
Today · 4.125%
HK$220,734
baseline
▲ 0.50% · 4.625%
HK$234,165
+HK$13,431/mo
Deposit HK$19.52M · loan HK$45.55M · min. income ≈ HK$441,468/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,765,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,074
−HK$12,484/mo
▼ 0.25% · 3.875%
HK$237,272
−HK$6,286/mo
Today · 4.125%
HK$243,558
baseline
▲ 0.50% · 4.625%
HK$256,397
+HK$12,839/mo
Deposit HK$19.52M · loan HK$45.55M · min. income ≈ HK$487,116/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$2,765,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,055
−HK$16,746/mo
▼ 0.25% · 3.875%
HK$275,361
−HK$8,440/mo
Today · 4.125%
HK$283,801
baseline
▲ 0.50% · 4.625%
HK$301,070
+HK$17,269/mo
Deposit HK$6.51M · loan HK$58.56M · min. income ≈ HK$567,602/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$2,765,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,095
−HK$16,052/mo
▼ 0.25% · 3.875%
HK$305,063
−HK$8,084/mo
Today · 4.125%
HK$313,147
baseline
▲ 0.50% · 4.625%
HK$329,653
+HK$16,506/mo
Deposit HK$6.51M · loan HK$58.56M · min. income ≈ HK$626,294/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$2,765,239 · Scale 2, in force from 26 Feb 2026)