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$151,072
−HK$9,474/mo
▼ 0.25% · 3.875%
HK$155,772
−HK$4,774/mo
Today · 4.125%
HK$160,546
baseline
▲ 0.50% · 4.625%
HK$170,315
+HK$9,769/mo
Deposit HK$33.13M · loan HK$33.13M · min. income ≈ HK$321,092/mo (50% DSR)
Upfront cash ≈ HK$35.94M (deposit + AVD stamp duty HK$2,815,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,066
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$172,574
−HK$4,573/mo
Today · 4.125%
HK$177,147
baseline
▲ 0.50% · 4.625%
HK$186,484
+HK$9,337/mo
Deposit HK$33.13M · loan HK$33.13M · min. income ≈ HK$354,294/mo (50% DSR)
Upfront cash ≈ HK$35.94M (deposit + AVD stamp duty HK$2,815,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,287
−HK$11,368/mo
▼ 0.25% · 3.875%
HK$186,926
−HK$5,729/mo
Today · 4.125%
HK$192,655
baseline
▲ 0.50% · 4.625%
HK$204,378
+HK$11,723/mo
Deposit HK$26.50M · loan HK$39.75M · min. income ≈ HK$385,310/mo (50% DSR)
Upfront cash ≈ HK$29.32M (deposit + AVD stamp duty HK$2,815,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,680
−HK$10,896/mo
▼ 0.25% · 3.875%
HK$207,089
−HK$5,487/mo
Today · 4.125%
HK$212,576
baseline
▲ 0.50% · 4.625%
HK$223,781
+HK$11,205/mo
Deposit HK$26.50M · loan HK$39.75M · min. income ≈ HK$425,152/mo (50% DSR)
Upfront cash ≈ HK$29.32M (deposit + AVD stamp duty HK$2,815,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,501
−HK$13,263/mo
▼ 0.25% · 3.875%
HK$218,080
−HK$6,684/mo
Today · 4.125%
HK$224,764
baseline
▲ 0.50% · 4.625%
HK$238,441
+HK$13,677/mo
Deposit HK$19.88M · loan HK$46.38M · min. income ≈ HK$449,528/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,815,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,293
−HK$12,712/mo
▼ 0.25% · 3.875%
HK$241,603
−HK$6,402/mo
Today · 4.125%
HK$248,005
baseline
▲ 0.50% · 4.625%
HK$261,078
+HK$13,073/mo
Deposit HK$19.88M · loan HK$46.38M · min. income ≈ HK$496,010/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,815,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,930
−HK$17,053/mo
▼ 0.25% · 3.875%
HK$280,389
−HK$8,594/mo
Today · 4.125%
HK$288,983
baseline
▲ 0.50% · 4.625%
HK$306,566
+HK$17,583/mo
Deposit HK$6.63M · loan HK$59.63M · min. income ≈ HK$577,966/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$2,815,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,520
−HK$16,344/mo
▼ 0.25% · 3.875%
HK$310,633
−HK$8,231/mo
Today · 4.125%
HK$318,864
baseline
▲ 0.50% · 4.625%
HK$335,672
+HK$16,808/mo
Deposit HK$6.63M · loan HK$59.63M · min. income ≈ HK$637,728/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$2,815,725 · Scale 2, in force from 26 Feb 2026)