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$155,731
−HK$9,766/mo
▼ 0.25% · 3.875%
HK$160,575
−HK$4,922/mo
Today · 4.125%
HK$165,497
baseline
▲ 0.50% · 4.625%
HK$175,567
+HK$10,070/mo
Deposit HK$34.15M · loan HK$34.15M · min. income ≈ HK$330,994/mo (50% DSR)
Upfront cash ≈ HK$37.05M (deposit + AVD stamp duty HK$2,902,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,249
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$177,896
−HK$4,713/mo
Today · 4.125%
HK$182,609
baseline
▲ 0.50% · 4.625%
HK$192,235
+HK$9,626/mo
Deposit HK$34.15M · loan HK$34.15M · min. income ≈ HK$365,218/mo (50% DSR)
Upfront cash ≈ HK$37.05M (deposit + AVD stamp duty HK$2,902,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,877
−HK$11,719/mo
▼ 0.25% · 3.875%
HK$192,690
−HK$5,906/mo
Today · 4.125%
HK$198,596
baseline
▲ 0.50% · 4.625%
HK$210,680
+HK$12,084/mo
Deposit HK$27.32M · loan HK$40.98M · min. income ≈ HK$397,192/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,902,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,899
−HK$11,232/mo
▼ 0.25% · 3.875%
HK$213,475
−HK$5,656/mo
Today · 4.125%
HK$219,131
baseline
▲ 0.50% · 4.625%
HK$230,682
+HK$11,551/mo
Deposit HK$27.32M · loan HK$40.98M · min. income ≈ HK$438,262/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,902,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,024
−HK$13,671/mo
▼ 0.25% · 3.875%
HK$224,805
−HK$6,890/mo
Today · 4.125%
HK$231,695
baseline
▲ 0.50% · 4.625%
HK$245,794
+HK$14,099/mo
Deposit HK$20.49M · loan HK$47.81M · min. income ≈ HK$463,390/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,902,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,549
−HK$13,104/mo
▼ 0.25% · 3.875%
HK$249,054
−HK$6,599/mo
Today · 4.125%
HK$255,653
baseline
▲ 0.50% · 4.625%
HK$269,129
+HK$13,476/mo
Deposit HK$20.49M · loan HK$47.81M · min. income ≈ HK$511,306/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,902,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,316
−HK$17,578/mo
▼ 0.25% · 3.875%
HK$289,035
−HK$8,859/mo
Today · 4.125%
HK$297,894
baseline
▲ 0.50% · 4.625%
HK$316,020
+HK$18,126/mo
Deposit HK$6.83M · loan HK$61.47M · min. income ≈ HK$595,788/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,902,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,849
−HK$16,848/mo
▼ 0.25% · 3.875%
HK$320,212
−HK$8,485/mo
Today · 4.125%
HK$328,697
baseline
▲ 0.50% · 4.625%
HK$346,023
+HK$17,326/mo
Deposit HK$6.83M · loan HK$61.47M · min. income ≈ HK$657,394/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,902,556 · Scale 2, in force from 26 Feb 2026)