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$150,859
−HK$9,460/mo
▼ 0.25% · 3.875%
HK$155,551
−HK$4,768/mo
Today · 4.125%
HK$160,319
baseline
▲ 0.50% · 4.625%
HK$170,074
+HK$9,755/mo
Deposit HK$33.08M · loan HK$33.08M · min. income ≈ HK$320,638/mo (50% DSR)
Upfront cash ≈ HK$35.89M (deposit + AVD stamp duty HK$2,811,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,829
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$172,330
−HK$4,566/mo
Today · 4.125%
HK$176,896
baseline
▲ 0.50% · 4.625%
HK$186,220
+HK$9,324/mo
Deposit HK$33.08M · loan HK$33.08M · min. income ≈ HK$353,792/mo (50% DSR)
Upfront cash ≈ HK$35.89M (deposit + AVD stamp duty HK$2,811,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,030
−HK$11,352/mo
▼ 0.25% · 3.875%
HK$186,661
−HK$5,721/mo
Today · 4.125%
HK$192,382
baseline
▲ 0.50% · 4.625%
HK$204,088
+HK$11,706/mo
Deposit HK$26.46M · loan HK$39.70M · min. income ≈ HK$384,764/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$2,811,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,394
−HK$10,881/mo
▼ 0.25% · 3.875%
HK$206,796
−HK$5,479/mo
Today · 4.125%
HK$212,275
baseline
▲ 0.50% · 4.625%
HK$223,464
+HK$11,189/mo
Deposit HK$26.46M · loan HK$39.70M · min. income ≈ HK$424,550/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$2,811,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,202
−HK$13,244/mo
▼ 0.25% · 3.875%
HK$217,771
−HK$6,675/mo
Today · 4.125%
HK$224,446
baseline
▲ 0.50% · 4.625%
HK$238,103
+HK$13,657/mo
Deposit HK$19.85M · loan HK$46.31M · min. income ≈ HK$448,892/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$2,811,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,960
−HK$12,694/mo
▼ 0.25% · 3.875%
HK$241,262
−HK$6,392/mo
Today · 4.125%
HK$247,654
baseline
▲ 0.50% · 4.625%
HK$260,708
+HK$13,054/mo
Deposit HK$19.85M · loan HK$46.31M · min. income ≈ HK$495,308/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$2,811,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,545
−HK$17,029/mo
▼ 0.25% · 3.875%
HK$279,992
−HK$8,582/mo
Today · 4.125%
HK$288,574
baseline
▲ 0.50% · 4.625%
HK$306,133
+HK$17,559/mo
Deposit HK$6.62M · loan HK$59.54M · min. income ≈ HK$577,148/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,811,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,091
−HK$16,322/mo
▼ 0.25% · 3.875%
HK$310,193
−HK$8,220/mo
Today · 4.125%
HK$318,413
baseline
▲ 0.50% · 4.625%
HK$335,196
+HK$16,783/mo
Deposit HK$6.62M · loan HK$59.54M · min. income ≈ HK$636,826/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,811,740 · Scale 2, in force from 26 Feb 2026)