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$154,045
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$158,837
−HK$4,868/mo
Today · 4.125%
HK$163,705
baseline
▲ 0.50% · 4.625%
HK$173,666
+HK$9,961/mo
Deposit HK$33.78M · loan HK$33.78M · min. income ≈ HK$327,410/mo (50% DSR)
Upfront cash ≈ HK$36.65M (deposit + AVD stamp duty HK$2,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,374
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,970
−HK$4,663/mo
Today · 4.125%
HK$180,633
baseline
▲ 0.50% · 4.625%
HK$190,154
+HK$9,521/mo
Deposit HK$33.78M · loan HK$33.78M · min. income ≈ HK$361,266/mo (50% DSR)
Upfront cash ≈ HK$36.65M (deposit + AVD stamp duty HK$2,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,854
−HK$11,592/mo
▼ 0.25% · 3.875%
HK$190,604
−HK$5,842/mo
Today · 4.125%
HK$196,446
baseline
▲ 0.50% · 4.625%
HK$208,400
+HK$11,954/mo
Deposit HK$27.02M · loan HK$40.53M · min. income ≈ HK$392,892/mo (50% DSR)
Upfront cash ≈ HK$29.89M (deposit + AVD stamp duty HK$2,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,648
−HK$11,111/mo
▼ 0.25% · 3.875%
HK$211,164
−HK$5,595/mo
Today · 4.125%
HK$216,759
baseline
▲ 0.50% · 4.625%
HK$228,185
+HK$11,426/mo
Deposit HK$27.02M · loan HK$40.53M · min. income ≈ HK$433,518/mo (50% DSR)
Upfront cash ≈ HK$29.89M (deposit + AVD stamp duty HK$2,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,663
−HK$13,524/mo
▼ 0.25% · 3.875%
HK$222,372
−HK$6,815/mo
Today · 4.125%
HK$229,187
baseline
▲ 0.50% · 4.625%
HK$243,133
+HK$13,946/mo
Deposit HK$20.27M · loan HK$47.29M · min. income ≈ HK$458,374/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$2,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,923
−HK$12,963/mo
▼ 0.25% · 3.875%
HK$246,358
−HK$6,528/mo
Today · 4.125%
HK$252,886
baseline
▲ 0.50% · 4.625%
HK$266,216
+HK$13,330/mo
Deposit HK$20.27M · loan HK$47.29M · min. income ≈ HK$505,772/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$2,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,281
−HK$17,388/mo
▼ 0.25% · 3.875%
HK$285,906
−HK$8,763/mo
Today · 4.125%
HK$294,669
baseline
▲ 0.50% · 4.625%
HK$312,599
+HK$17,930/mo
Deposit HK$6.76M · loan HK$60.80M · min. income ≈ HK$589,338/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$2,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,473
−HK$16,666/mo
▼ 0.25% · 3.875%
HK$316,746
−HK$8,393/mo
Today · 4.125%
HK$325,139
baseline
▲ 0.50% · 4.625%
HK$342,277
+HK$17,138/mo
Deposit HK$6.76M · loan HK$60.80M · min. income ≈ HK$650,278/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$2,871,134 · Scale 2, in force from 26 Feb 2026)