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$150,363
−HK$9,429/mo
▼ 0.25% · 3.875%
HK$155,040
−HK$4,752/mo
Today · 4.125%
HK$159,792
baseline
▲ 0.50% · 4.625%
HK$169,515
+HK$9,723/mo
Deposit HK$32.97M · loan HK$32.97M · min. income ≈ HK$319,584/mo (50% DSR)
Upfront cash ≈ HK$35.77M (deposit + AVD stamp duty HK$2,802,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,277
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$171,764
−HK$4,551/mo
Today · 4.125%
HK$176,315
baseline
▲ 0.50% · 4.625%
HK$185,609
+HK$9,294/mo
Deposit HK$32.97M · loan HK$32.97M · min. income ≈ HK$352,630/mo (50% DSR)
Upfront cash ≈ HK$35.77M (deposit + AVD stamp duty HK$2,802,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,436
−HK$11,314/mo
▼ 0.25% · 3.875%
HK$186,048
−HK$5,702/mo
Today · 4.125%
HK$191,750
baseline
▲ 0.50% · 4.625%
HK$203,418
+HK$11,668/mo
Deposit HK$26.38M · loan HK$39.56M · min. income ≈ HK$383,500/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$2,802,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,733
−HK$10,845/mo
▼ 0.25% · 3.875%
HK$206,116
−HK$5,462/mo
Today · 4.125%
HK$211,578
baseline
▲ 0.50% · 4.625%
HK$222,730
+HK$11,152/mo
Deposit HK$26.38M · loan HK$39.56M · min. income ≈ HK$423,156/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$2,802,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,508
−HK$13,201/mo
▼ 0.25% · 3.875%
HK$217,056
−HK$6,653/mo
Today · 4.125%
HK$223,709
baseline
▲ 0.50% · 4.625%
HK$237,321
+HK$13,612/mo
Deposit HK$19.78M · loan HK$46.16M · min. income ≈ HK$447,418/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,802,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,188
−HK$12,653/mo
▼ 0.25% · 3.875%
HK$240,469
−HK$6,372/mo
Today · 4.125%
HK$246,841
baseline
▲ 0.50% · 4.625%
HK$259,852
+HK$13,011/mo
Deposit HK$19.78M · loan HK$46.16M · min. income ≈ HK$493,682/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$2,802,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,653
−HK$16,973/mo
▼ 0.25% · 3.875%
HK$279,072
−HK$8,554/mo
Today · 4.125%
HK$287,626
baseline
▲ 0.50% · 4.625%
HK$305,127
+HK$17,501/mo
Deposit HK$6.59M · loan HK$59.35M · min. income ≈ HK$575,252/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$2,802,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,099
−HK$16,268/mo
▼ 0.25% · 3.875%
HK$309,174
−HK$8,193/mo
Today · 4.125%
HK$317,367
baseline
▲ 0.50% · 4.625%
HK$334,095
+HK$16,728/mo
Deposit HK$6.59M · loan HK$59.35M · min. income ≈ HK$634,734/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$2,802,503 · Scale 2, in force from 26 Feb 2026)