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$158,550
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$163,482
−HK$5,011/mo
Today · 4.125%
HK$168,493
baseline
▲ 0.50% · 4.625%
HK$178,745
+HK$10,252/mo
Deposit HK$34.77M · loan HK$34.77M · min. income ≈ HK$336,986/mo (50% DSR)
Upfront cash ≈ HK$37.72M (deposit + AVD stamp duty HK$2,955,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,386
−HK$9,529/mo
▼ 0.25% · 3.875%
HK$181,116
−HK$4,799/mo
Today · 4.125%
HK$185,915
baseline
▲ 0.50% · 4.625%
HK$195,715
+HK$9,800/mo
Deposit HK$34.77M · loan HK$34.77M · min. income ≈ HK$371,830/mo (50% DSR)
Upfront cash ≈ HK$37.72M (deposit + AVD stamp duty HK$2,955,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,260
−HK$11,931/mo
▼ 0.25% · 3.875%
HK$196,179
−HK$6,012/mo
Today · 4.125%
HK$202,191
baseline
▲ 0.50% · 4.625%
HK$214,494
+HK$12,303/mo
Deposit HK$27.81M · loan HK$41.72M · min. income ≈ HK$404,382/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,955,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,663
−HK$11,435/mo
▼ 0.25% · 3.875%
HK$217,339
−HK$5,759/mo
Today · 4.125%
HK$223,098
baseline
▲ 0.50% · 4.625%
HK$234,858
+HK$11,760/mo
Deposit HK$27.81M · loan HK$41.72M · min. income ≈ HK$446,196/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,955,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,970
−HK$13,920/mo
▼ 0.25% · 3.875%
HK$228,875
−HK$7,015/mo
Today · 4.125%
HK$235,890
baseline
▲ 0.50% · 4.625%
HK$250,243
+HK$14,353/mo
Deposit HK$20.86M · loan HK$48.67M · min. income ≈ HK$471,780/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,955,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,940
−HK$13,341/mo
▼ 0.25% · 3.875%
HK$253,563
−HK$6,718/mo
Today · 4.125%
HK$260,281
baseline
▲ 0.50% · 4.625%
HK$274,001
+HK$13,720/mo
Deposit HK$20.86M · loan HK$48.67M · min. income ≈ HK$520,562/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,955,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,391
−HK$17,896/mo
▼ 0.25% · 3.875%
HK$294,268
−HK$9,019/mo
Today · 4.125%
HK$303,287
baseline
▲ 0.50% · 4.625%
HK$321,741
+HK$18,454/mo
Deposit HK$6.95M · loan HK$62.58M · min. income ≈ HK$606,574/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,955,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,494
−HK$17,153/mo
▼ 0.25% · 3.875%
HK$326,009
−HK$8,638/mo
Today · 4.125%
HK$334,647
baseline
▲ 0.50% · 4.625%
HK$352,287
+HK$17,640/mo
Deposit HK$6.95M · loan HK$62.58M · min. income ≈ HK$669,294/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,955,102 · Scale 2, in force from 26 Feb 2026)