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$152,617
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$157,364
−HK$4,823/mo
Today · 4.125%
HK$162,187
baseline
▲ 0.50% · 4.625%
HK$172,056
+HK$9,869/mo
Deposit HK$33.46M · loan HK$33.46M · min. income ≈ HK$324,374/mo (50% DSR)
Upfront cash ≈ HK$36.31M (deposit + AVD stamp duty HK$2,844,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,784
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$174,338
−HK$4,619/mo
Today · 4.125%
HK$178,957
baseline
▲ 0.50% · 4.625%
HK$188,390
+HK$9,433/mo
Deposit HK$33.46M · loan HK$33.46M · min. income ≈ HK$357,914/mo (50% DSR)
Upfront cash ≈ HK$36.31M (deposit + AVD stamp duty HK$2,844,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,140
−HK$11,484/mo
▼ 0.25% · 3.875%
HK$188,837
−HK$5,787/mo
Today · 4.125%
HK$194,624
baseline
▲ 0.50% · 4.625%
HK$206,467
+HK$11,843/mo
Deposit HK$26.77M · loan HK$40.16M · min. income ≈ HK$389,248/mo (50% DSR)
Upfront cash ≈ HK$29.62M (deposit + AVD stamp duty HK$2,844,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,741
−HK$11,008/mo
▼ 0.25% · 3.875%
HK$209,206
−HK$5,543/mo
Today · 4.125%
HK$214,749
baseline
▲ 0.50% · 4.625%
HK$226,069
+HK$11,320/mo
Deposit HK$26.77M · loan HK$40.16M · min. income ≈ HK$429,498/mo (50% DSR)
Upfront cash ≈ HK$29.62M (deposit + AVD stamp duty HK$2,844,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,663
−HK$13,399/mo
▼ 0.25% · 3.875%
HK$220,309
−HK$6,753/mo
Today · 4.125%
HK$227,062
baseline
▲ 0.50% · 4.625%
HK$240,878
+HK$13,816/mo
Deposit HK$20.08M · loan HK$46.85M · min. income ≈ HK$454,124/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,844,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,698
−HK$12,842/mo
▼ 0.25% · 3.875%
HK$244,073
−HK$6,467/mo
Today · 4.125%
HK$250,540
baseline
▲ 0.50% · 4.625%
HK$263,747
+HK$13,207/mo
Deposit HK$20.08M · loan HK$46.85M · min. income ≈ HK$501,080/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$2,844,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,710
−HK$17,227/mo
▼ 0.25% · 3.875%
HK$283,255
−HK$8,682/mo
Today · 4.125%
HK$291,937
baseline
▲ 0.50% · 4.625%
HK$309,700
+HK$17,763/mo
Deposit HK$6.69M · loan HK$60.24M · min. income ≈ HK$583,874/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$2,844,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,612
−HK$16,511/mo
▼ 0.25% · 3.875%
HK$313,808
−HK$8,315/mo
Today · 4.125%
HK$322,123
baseline
▲ 0.50% · 4.625%
HK$339,103
+HK$16,980/mo
Deposit HK$6.69M · loan HK$60.24M · min. income ≈ HK$644,246/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$2,844,508 · Scale 2, in force from 26 Feb 2026)