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$157,944
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$162,857
−HK$4,992/mo
Today · 4.125%
HK$167,849
baseline
▲ 0.50% · 4.625%
HK$178,062
+HK$10,213/mo
Deposit HK$34.63M · loan HK$34.63M · min. income ≈ HK$335,698/mo (50% DSR)
Upfront cash ≈ HK$37.58M (deposit + AVD stamp duty HK$2,943,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,711
−HK$9,493/mo
▼ 0.25% · 3.875%
HK$180,424
−HK$4,780/mo
Today · 4.125%
HK$185,204
baseline
▲ 0.50% · 4.625%
HK$194,967
+HK$9,763/mo
Deposit HK$34.63M · loan HK$34.63M · min. income ≈ HK$370,408/mo (50% DSR)
Upfront cash ≈ HK$37.58M (deposit + AVD stamp duty HK$2,943,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,533
−HK$11,885/mo
▼ 0.25% · 3.875%
HK$195,429
−HK$5,989/mo
Today · 4.125%
HK$201,418
baseline
▲ 0.50% · 4.625%
HK$213,674
+HK$12,256/mo
Deposit HK$27.71M · loan HK$41.56M · min. income ≈ HK$402,836/mo (50% DSR)
Upfront cash ≈ HK$30.65M (deposit + AVD stamp duty HK$2,943,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,854
−HK$11,391/mo
▼ 0.25% · 3.875%
HK$216,509
−HK$5,736/mo
Today · 4.125%
HK$222,245
baseline
▲ 0.50% · 4.625%
HK$233,960
+HK$11,715/mo
Deposit HK$27.71M · loan HK$41.56M · min. income ≈ HK$444,490/mo (50% DSR)
Upfront cash ≈ HK$30.65M (deposit + AVD stamp duty HK$2,943,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,122
−HK$13,866/mo
▼ 0.25% · 3.875%
HK$228,000
−HK$6,988/mo
Today · 4.125%
HK$234,988
baseline
▲ 0.50% · 4.625%
HK$249,287
+HK$14,299/mo
Deposit HK$20.78M · loan HK$48.49M · min. income ≈ HK$469,976/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$2,943,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,996
−HK$13,290/mo
▼ 0.25% · 3.875%
HK$252,593
−HK$6,693/mo
Today · 4.125%
HK$259,286
baseline
▲ 0.50% · 4.625%
HK$272,954
+HK$13,668/mo
Deposit HK$20.78M · loan HK$48.49M · min. income ≈ HK$518,572/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$2,943,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$284,300
−HK$17,828/mo
▼ 0.25% · 3.875%
HK$293,143
−HK$8,985/mo
Today · 4.125%
HK$302,128
baseline
▲ 0.50% · 4.625%
HK$320,511
+HK$18,383/mo
Deposit HK$6.93M · loan HK$62.34M · min. income ≈ HK$604,256/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$2,943,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$316,280
−HK$17,088/mo
▼ 0.25% · 3.875%
HK$324,763
−HK$8,605/mo
Today · 4.125%
HK$333,368
baseline
▲ 0.50% · 4.625%
HK$350,940
+HK$17,572/mo
Deposit HK$6.93M · loan HK$62.34M · min. income ≈ HK$666,736/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$2,943,804 · Scale 2, in force from 26 Feb 2026)