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$156,443
−HK$9,810/mo
▼ 0.25% · 3.875%
HK$161,309
−HK$4,944/mo
Today · 4.125%
HK$166,253
baseline
▲ 0.50% · 4.625%
HK$176,369
+HK$10,116/mo
Deposit HK$34.30M · loan HK$34.30M · min. income ≈ HK$332,506/mo (50% DSR)
Upfront cash ≈ HK$37.22M (deposit + AVD stamp duty HK$2,915,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,041
−HK$9,403/mo
▼ 0.25% · 3.875%
HK$178,708
−HK$4,736/mo
Today · 4.125%
HK$183,444
baseline
▲ 0.50% · 4.625%
HK$193,113
+HK$9,669/mo
Deposit HK$34.30M · loan HK$34.30M · min. income ≈ HK$366,888/mo (50% DSR)
Upfront cash ≈ HK$37.22M (deposit + AVD stamp duty HK$2,915,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,731
−HK$11,772/mo
▼ 0.25% · 3.875%
HK$193,570
−HK$5,933/mo
Today · 4.125%
HK$199,503
baseline
▲ 0.50% · 4.625%
HK$211,643
+HK$12,140/mo
Deposit HK$27.44M · loan HK$41.16M · min. income ≈ HK$399,006/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,915,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,849
−HK$11,283/mo
▼ 0.25% · 3.875%
HK$214,450
−HK$5,682/mo
Today · 4.125%
HK$220,132
baseline
▲ 0.50% · 4.625%
HK$231,736
+HK$11,604/mo
Deposit HK$27.44M · loan HK$41.16M · min. income ≈ HK$440,264/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,915,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,020
−HK$13,734/mo
▼ 0.25% · 3.875%
HK$225,832
−HK$6,922/mo
Today · 4.125%
HK$232,754
baseline
▲ 0.50% · 4.625%
HK$246,916
+HK$14,162/mo
Deposit HK$20.58M · loan HK$48.03M · min. income ≈ HK$465,508/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,915,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,657
−HK$13,164/mo
▼ 0.25% · 3.875%
HK$250,192
−HK$6,629/mo
Today · 4.125%
HK$256,821
baseline
▲ 0.50% · 4.625%
HK$270,358
+HK$13,537/mo
Deposit HK$20.58M · loan HK$48.03M · min. income ≈ HK$513,642/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,915,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,597
−HK$17,658/mo
▼ 0.25% · 3.875%
HK$290,356
−HK$8,899/mo
Today · 4.125%
HK$299,255
baseline
▲ 0.50% · 4.625%
HK$317,464
+HK$18,209/mo
Deposit HK$6.86M · loan HK$61.75M · min. income ≈ HK$598,510/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,915,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,273
−HK$16,925/mo
▼ 0.25% · 3.875%
HK$321,675
−HK$8,523/mo
Today · 4.125%
HK$330,198
baseline
▲ 0.50% · 4.625%
HK$347,604
+HK$17,406/mo
Deposit HK$6.86M · loan HK$61.75M · min. income ≈ HK$660,396/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,915,816 · Scale 2, in force from 26 Feb 2026)