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$152,106
−HK$9,538/mo
▼ 0.25% · 3.875%
HK$156,837
−HK$4,807/mo
Today · 4.125%
HK$161,644
baseline
▲ 0.50% · 4.625%
HK$171,480
+HK$9,836/mo
Deposit HK$33.35M · loan HK$33.35M · min. income ≈ HK$323,288/mo (50% DSR)
Upfront cash ≈ HK$36.19M (deposit + AVD stamp duty HK$2,834,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,216
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$173,755
−HK$4,604/mo
Today · 4.125%
HK$178,359
baseline
▲ 0.50% · 4.625%
HK$187,760
+HK$9,401/mo
Deposit HK$33.35M · loan HK$33.35M · min. income ≈ HK$356,718/mo (50% DSR)
Upfront cash ≈ HK$36.19M (deposit + AVD stamp duty HK$2,834,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,527
−HK$11,446/mo
▼ 0.25% · 3.875%
HK$188,205
−HK$5,768/mo
Today · 4.125%
HK$193,973
baseline
▲ 0.50% · 4.625%
HK$205,776
+HK$11,803/mo
Deposit HK$26.68M · loan HK$40.02M · min. income ≈ HK$387,946/mo (50% DSR)
Upfront cash ≈ HK$29.52M (deposit + AVD stamp duty HK$2,834,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,060
−HK$10,970/mo
▼ 0.25% · 3.875%
HK$208,506
−HK$5,524/mo
Today · 4.125%
HK$214,030
baseline
▲ 0.50% · 4.625%
HK$225,312
+HK$11,282/mo
Deposit HK$26.68M · loan HK$40.02M · min. income ≈ HK$428,060/mo (50% DSR)
Upfront cash ≈ HK$29.52M (deposit + AVD stamp duty HK$2,834,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,948
−HK$13,354/mo
▼ 0.25% · 3.875%
HK$219,572
−HK$6,730/mo
Today · 4.125%
HK$226,302
baseline
▲ 0.50% · 4.625%
HK$240,072
+HK$13,770/mo
Deposit HK$20.01M · loan HK$46.69M · min. income ≈ HK$452,604/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$2,834,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,903
−HK$12,799/mo
▼ 0.25% · 3.875%
HK$243,257
−HK$6,445/mo
Today · 4.125%
HK$249,702
baseline
▲ 0.50% · 4.625%
HK$262,864
+HK$13,162/mo
Deposit HK$20.01M · loan HK$46.69M · min. income ≈ HK$499,404/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$2,834,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,791
−HK$17,169/mo
▼ 0.25% · 3.875%
HK$282,307
−HK$8,653/mo
Today · 4.125%
HK$290,960
baseline
▲ 0.50% · 4.625%
HK$308,664
+HK$17,704/mo
Deposit HK$6.67M · loan HK$60.04M · min. income ≈ HK$581,920/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,834,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,590
−HK$16,456/mo
▼ 0.25% · 3.875%
HK$312,758
−HK$8,288/mo
Today · 4.125%
HK$321,046
baseline
▲ 0.50% · 4.625%
HK$337,968
+HK$16,922/mo
Deposit HK$6.67M · loan HK$60.04M · min. income ≈ HK$642,092/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$2,834,991 · Scale 2, in force from 26 Feb 2026)