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$149,449
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$154,097
−HK$4,723/mo
Today · 4.125%
HK$158,820
baseline
▲ 0.50% · 4.625%
HK$168,484
+HK$9,664/mo
Deposit HK$32.77M · loan HK$32.77M · min. income ≈ HK$317,640/mo (50% DSR)
Upfront cash ≈ HK$35.56M (deposit + AVD stamp duty HK$2,785,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,260
−HK$8,982/mo
▼ 0.25% · 3.875%
HK$170,719
−HK$4,523/mo
Today · 4.125%
HK$175,242
baseline
▲ 0.50% · 4.625%
HK$184,480
+HK$9,238/mo
Deposit HK$32.77M · loan HK$32.77M · min. income ≈ HK$350,484/mo (50% DSR)
Upfront cash ≈ HK$35.56M (deposit + AVD stamp duty HK$2,785,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,338
−HK$11,246/mo
▼ 0.25% · 3.875%
HK$184,917
−HK$5,667/mo
Today · 4.125%
HK$190,584
baseline
▲ 0.50% · 4.625%
HK$202,181
+HK$11,597/mo
Deposit HK$26.22M · loan HK$39.32M · min. income ≈ HK$381,168/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,785,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,512
−HK$10,779/mo
▼ 0.25% · 3.875%
HK$204,863
−HK$5,428/mo
Today · 4.125%
HK$210,291
baseline
▲ 0.50% · 4.625%
HK$221,376
+HK$11,085/mo
Deposit HK$26.22M · loan HK$39.32M · min. income ≈ HK$420,582/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,785,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,228
−HK$13,120/mo
▼ 0.25% · 3.875%
HK$215,736
−HK$6,612/mo
Today · 4.125%
HK$222,348
baseline
▲ 0.50% · 4.625%
HK$235,878
+HK$13,530/mo
Deposit HK$19.66M · loan HK$45.88M · min. income ≈ HK$444,696/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,785,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,764
−HK$12,575/mo
▼ 0.25% · 3.875%
HK$239,007
−HK$6,332/mo
Today · 4.125%
HK$245,339
baseline
▲ 0.50% · 4.625%
HK$258,272
+HK$12,933/mo
Deposit HK$19.66M · loan HK$45.88M · min. income ≈ HK$490,678/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,785,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,007
−HK$16,869/mo
▼ 0.25% · 3.875%
HK$277,375
−HK$8,501/mo
Today · 4.125%
HK$285,876
baseline
▲ 0.50% · 4.625%
HK$303,271
+HK$17,395/mo
Deposit HK$6.55M · loan HK$58.99M · min. income ≈ HK$571,752/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,785,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,268
−HK$16,168/mo
▼ 0.25% · 3.875%
HK$307,294
−HK$8,142/mo
Today · 4.125%
HK$315,436
baseline
▲ 0.50% · 4.625%
HK$332,064
+HK$16,628/mo
Deposit HK$6.55M · loan HK$58.99M · min. income ≈ HK$630,872/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,785,460 · Scale 2, in force from 26 Feb 2026)