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$149,612
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$154,266
−HK$4,728/mo
Today · 4.125%
HK$158,994
baseline
▲ 0.50% · 4.625%
HK$168,669
+HK$9,675/mo
Deposit HK$32.81M · loan HK$32.81M · min. income ≈ HK$317,988/mo (50% DSR)
Upfront cash ≈ HK$35.59M (deposit + AVD stamp duty HK$2,788,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,442
−HK$8,993/mo
▼ 0.25% · 3.875%
HK$170,906
−HK$4,529/mo
Today · 4.125%
HK$175,435
baseline
▲ 0.50% · 4.625%
HK$184,682
+HK$9,247/mo
Deposit HK$32.81M · loan HK$32.81M · min. income ≈ HK$350,870/mo (50% DSR)
Upfront cash ≈ HK$35.59M (deposit + AVD stamp duty HK$2,788,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,535
−HK$11,258/mo
▼ 0.25% · 3.875%
HK$185,119
−HK$5,674/mo
Today · 4.125%
HK$190,793
baseline
▲ 0.50% · 4.625%
HK$202,402
+HK$11,609/mo
Deposit HK$26.24M · loan HK$39.37M · min. income ≈ HK$381,586/mo (50% DSR)
Upfront cash ≈ HK$29.03M (deposit + AVD stamp duty HK$2,788,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,731
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$205,087
−HK$5,434/mo
Today · 4.125%
HK$210,521
baseline
▲ 0.50% · 4.625%
HK$221,618
+HK$11,097/mo
Deposit HK$26.24M · loan HK$39.37M · min. income ≈ HK$421,042/mo (50% DSR)
Upfront cash ≈ HK$29.03M (deposit + AVD stamp duty HK$2,788,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,457
−HK$13,135/mo
▼ 0.25% · 3.875%
HK$215,973
−HK$6,619/mo
Today · 4.125%
HK$222,592
baseline
▲ 0.50% · 4.625%
HK$236,136
+HK$13,544/mo
Deposit HK$19.68M · loan HK$45.93M · min. income ≈ HK$445,184/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,788,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,019
−HK$12,589/mo
▼ 0.25% · 3.875%
HK$239,268
−HK$6,340/mo
Today · 4.125%
HK$245,608
baseline
▲ 0.50% · 4.625%
HK$258,555
+HK$12,947/mo
Deposit HK$19.68M · loan HK$45.93M · min. income ≈ HK$491,216/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,788,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,302
−HK$16,888/mo
▼ 0.25% · 3.875%
HK$277,679
−HK$8,511/mo
Today · 4.125%
HK$286,190
baseline
▲ 0.50% · 4.625%
HK$303,604
+HK$17,414/mo
Deposit HK$6.56M · loan HK$59.05M · min. income ≈ HK$572,380/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$2,788,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,596
−HK$16,186/mo
▼ 0.25% · 3.875%
HK$307,631
−HK$8,151/mo
Today · 4.125%
HK$315,782
baseline
▲ 0.50% · 4.625%
HK$332,427
+HK$16,645/mo
Deposit HK$6.56M · loan HK$59.05M · min. income ≈ HK$631,564/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$2,788,512 · Scale 2, in force from 26 Feb 2026)