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$148,242
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$152,853
−HK$4,685/mo
Today · 4.125%
HK$157,538
baseline
▲ 0.50% · 4.625%
HK$167,123
+HK$9,585/mo
Deposit HK$32.51M · loan HK$32.51M · min. income ≈ HK$315,076/mo (50% DSR)
Upfront cash ≈ HK$35.27M (deposit + AVD stamp duty HK$2,762,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,917
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$169,340
−HK$4,487/mo
Today · 4.125%
HK$173,827
baseline
▲ 0.50% · 4.625%
HK$182,990
+HK$9,163/mo
Deposit HK$32.51M · loan HK$32.51M · min. income ≈ HK$347,654/mo (50% DSR)
Upfront cash ≈ HK$35.27M (deposit + AVD stamp duty HK$2,762,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,890
−HK$11,155/mo
▼ 0.25% · 3.875%
HK$183,423
−HK$5,622/mo
Today · 4.125%
HK$189,045
baseline
▲ 0.50% · 4.625%
HK$200,548
+HK$11,503/mo
Deposit HK$26.00M · loan HK$39.01M · min. income ≈ HK$378,090/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,762,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,901
−HK$10,692/mo
▼ 0.25% · 3.875%
HK$203,208
−HK$5,385/mo
Today · 4.125%
HK$208,593
baseline
▲ 0.50% · 4.625%
HK$219,588
+HK$10,995/mo
Deposit HK$26.00M · loan HK$39.01M · min. income ≈ HK$417,186/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,762,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,538
−HK$13,015/mo
▼ 0.25% · 3.875%
HK$213,994
−HK$6,559/mo
Today · 4.125%
HK$220,553
baseline
▲ 0.50% · 4.625%
HK$233,973
+HK$13,420/mo
Deposit HK$19.50M · loan HK$45.51M · min. income ≈ HK$441,106/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,762,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,884
−HK$12,474/mo
▼ 0.25% · 3.875%
HK$237,076
−HK$6,282/mo
Today · 4.125%
HK$243,358
baseline
▲ 0.50% · 4.625%
HK$256,186
+HK$12,828/mo
Deposit HK$19.50M · loan HK$45.51M · min. income ≈ HK$486,716/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,762,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,835
−HK$16,733/mo
▼ 0.25% · 3.875%
HK$275,135
−HK$8,433/mo
Today · 4.125%
HK$283,568
baseline
▲ 0.50% · 4.625%
HK$300,822
+HK$17,254/mo
Deposit HK$6.50M · loan HK$58.51M · min. income ≈ HK$567,136/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,762,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,851
−HK$16,038/mo
▼ 0.25% · 3.875%
HK$304,812
−HK$8,077/mo
Today · 4.125%
HK$312,889
baseline
▲ 0.50% · 4.625%
HK$329,382
+HK$16,493/mo
Deposit HK$6.50M · loan HK$58.51M · min. income ≈ HK$625,778/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,762,964 · Scale 2, in force from 26 Feb 2026)