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$151,680
−HK$9,512/mo
▼ 0.25% · 3.875%
HK$156,399
−HK$4,793/mo
Today · 4.125%
HK$161,192
baseline
▲ 0.50% · 4.625%
HK$171,000
+HK$9,808/mo
Deposit HK$33.26M · loan HK$33.26M · min. income ≈ HK$322,384/mo (50% DSR)
Upfront cash ≈ HK$36.09M (deposit + AVD stamp duty HK$2,827,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,743
−HK$9,117/mo
▼ 0.25% · 3.875%
HK$173,269
−HK$4,591/mo
Today · 4.125%
HK$177,860
baseline
▲ 0.50% · 4.625%
HK$187,235
+HK$9,375/mo
Deposit HK$33.26M · loan HK$33.26M · min. income ≈ HK$355,720/mo (50% DSR)
Upfront cash ≈ HK$36.09M (deposit + AVD stamp duty HK$2,827,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,017
−HK$11,414/mo
▼ 0.25% · 3.875%
HK$187,678
−HK$5,753/mo
Today · 4.125%
HK$193,431
baseline
▲ 0.50% · 4.625%
HK$205,200
+HK$11,769/mo
Deposit HK$26.61M · loan HK$39.91M · min. income ≈ HK$386,862/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$2,827,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,492
−HK$10,940/mo
▼ 0.25% · 3.875%
HK$207,922
−HK$5,510/mo
Today · 4.125%
HK$213,432
baseline
▲ 0.50% · 4.625%
HK$224,682
+HK$11,250/mo
Deposit HK$26.61M · loan HK$39.91M · min. income ≈ HK$426,864/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$2,827,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,353
−HK$13,316/mo
▼ 0.25% · 3.875%
HK$218,958
−HK$6,711/mo
Today · 4.125%
HK$225,669
baseline
▲ 0.50% · 4.625%
HK$239,400
+HK$13,731/mo
Deposit HK$19.96M · loan HK$46.56M · min. income ≈ HK$451,338/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,827,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,240
−HK$12,763/mo
▼ 0.25% · 3.875%
HK$242,576
−HK$6,427/mo
Today · 4.125%
HK$249,003
baseline
▲ 0.50% · 4.625%
HK$262,129
+HK$13,126/mo
Deposit HK$19.96M · loan HK$46.56M · min. income ≈ HK$498,006/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,827,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,025
−HK$17,121/mo
▼ 0.25% · 3.875%
HK$281,517
−HK$8,629/mo
Today · 4.125%
HK$290,146
baseline
▲ 0.50% · 4.625%
HK$307,801
+HK$17,655/mo
Deposit HK$6.65M · loan HK$59.87M · min. income ≈ HK$580,292/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$2,827,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,737
−HK$16,410/mo
▼ 0.25% · 3.875%
HK$311,883
−HK$8,264/mo
Today · 4.125%
HK$320,147
baseline
▲ 0.50% · 4.625%
HK$337,023
+HK$16,876/mo
Deposit HK$6.65M · loan HK$59.87M · min. income ≈ HK$640,294/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$2,827,059 · Scale 2, in force from 26 Feb 2026)