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$157,899
−HK$9,901/mo
▼ 0.25% · 3.875%
HK$162,810
−HK$4,990/mo
Today · 4.125%
HK$167,800
baseline
▲ 0.50% · 4.625%
HK$178,011
+HK$10,211/mo
Deposit HK$34.62M · loan HK$34.62M · min. income ≈ HK$335,600/mo (50% DSR)
Upfront cash ≈ HK$37.57M (deposit + AVD stamp duty HK$2,942,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,661
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$180,372
−HK$4,779/mo
Today · 4.125%
HK$185,151
baseline
▲ 0.50% · 4.625%
HK$194,911
+HK$9,760/mo
Deposit HK$34.62M · loan HK$34.62M · min. income ≈ HK$370,302/mo (50% DSR)
Upfront cash ≈ HK$37.57M (deposit + AVD stamp duty HK$2,942,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,479
−HK$11,882/mo
▼ 0.25% · 3.875%
HK$195,372
−HK$5,989/mo
Today · 4.125%
HK$201,361
baseline
▲ 0.50% · 4.625%
HK$213,613
+HK$12,252/mo
Deposit HK$27.70M · loan HK$41.55M · min. income ≈ HK$402,722/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,942,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,793
−HK$11,389/mo
▼ 0.25% · 3.875%
HK$216,446
−HK$5,736/mo
Today · 4.125%
HK$222,182
baseline
▲ 0.50% · 4.625%
HK$233,893
+HK$11,711/mo
Deposit HK$27.70M · loan HK$41.55M · min. income ≈ HK$444,364/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,942,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,058
−HK$13,863/mo
▼ 0.25% · 3.875%
HK$227,935
−HK$6,986/mo
Today · 4.125%
HK$234,921
baseline
▲ 0.50% · 4.625%
HK$249,215
+HK$14,294/mo
Deposit HK$20.77M · loan HK$48.47M · min. income ≈ HK$469,842/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$2,942,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,925
−HK$13,287/mo
▼ 0.25% · 3.875%
HK$252,521
−HK$6,691/mo
Today · 4.125%
HK$259,212
baseline
▲ 0.50% · 4.625%
HK$272,875
+HK$13,663/mo
Deposit HK$20.77M · loan HK$48.47M · min. income ≈ HK$518,424/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$2,942,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,218
−HK$17,823/mo
▼ 0.25% · 3.875%
HK$293,059
−HK$8,982/mo
Today · 4.125%
HK$302,041
baseline
▲ 0.50% · 4.625%
HK$320,419
+HK$18,378/mo
Deposit HK$6.92M · loan HK$62.32M · min. income ≈ HK$604,082/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$2,942,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,190
−HK$17,082/mo
▼ 0.25% · 3.875%
HK$324,670
−HK$8,602/mo
Today · 4.125%
HK$333,272
baseline
▲ 0.50% · 4.625%
HK$350,840
+HK$17,568/mo
Deposit HK$6.92M · loan HK$62.32M · min. income ≈ HK$666,544/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$2,942,959 · Scale 2, in force from 26 Feb 2026)