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$150,230
−HK$9,421/mo
▼ 0.25% · 3.875%
HK$154,903
−HK$4,748/mo
Today · 4.125%
HK$159,651
baseline
▲ 0.50% · 4.625%
HK$169,365
+HK$9,714/mo
Deposit HK$32.94M · loan HK$32.94M · min. income ≈ HK$319,302/mo (50% DSR)
Upfront cash ≈ HK$35.74M (deposit + AVD stamp duty HK$2,800,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,130
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$171,612
−HK$4,547/mo
Today · 4.125%
HK$176,159
baseline
▲ 0.50% · 4.625%
HK$185,445
+HK$9,286/mo
Deposit HK$32.94M · loan HK$32.94M · min. income ≈ HK$352,318/mo (50% DSR)
Upfront cash ≈ HK$35.74M (deposit + AVD stamp duty HK$2,800,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,276
−HK$11,305/mo
▼ 0.25% · 3.875%
HK$185,884
−HK$5,697/mo
Today · 4.125%
HK$191,581
baseline
▲ 0.50% · 4.625%
HK$203,238
+HK$11,657/mo
Deposit HK$26.35M · loan HK$39.53M · min. income ≈ HK$383,162/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,800,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,555
−HK$10,836/mo
▼ 0.25% · 3.875%
HK$205,934
−HK$5,457/mo
Today · 4.125%
HK$211,391
baseline
▲ 0.50% · 4.625%
HK$222,534
+HK$11,143/mo
Deposit HK$26.35M · loan HK$39.53M · min. income ≈ HK$422,782/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,800,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,322
−HK$13,189/mo
▼ 0.25% · 3.875%
HK$216,864
−HK$6,647/mo
Today · 4.125%
HK$223,511
baseline
▲ 0.50% · 4.625%
HK$237,111
+HK$13,600/mo
Deposit HK$19.76M · loan HK$46.12M · min. income ≈ HK$447,022/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$2,800,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,981
−HK$12,642/mo
▼ 0.25% · 3.875%
HK$240,257
−HK$6,366/mo
Today · 4.125%
HK$246,623
baseline
▲ 0.50% · 4.625%
HK$259,623
+HK$13,000/mo
Deposit HK$19.76M · loan HK$46.12M · min. income ≈ HK$493,246/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$2,800,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,414
−HK$16,958/mo
▼ 0.25% · 3.875%
HK$278,826
−HK$8,546/mo
Today · 4.125%
HK$287,372
baseline
▲ 0.50% · 4.625%
HK$304,858
+HK$17,486/mo
Deposit HK$6.59M · loan HK$59.29M · min. income ≈ HK$574,744/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,800,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,833
−HK$16,253/mo
▼ 0.25% · 3.875%
HK$308,901
−HK$8,185/mo
Today · 4.125%
HK$317,086
baseline
▲ 0.50% · 4.625%
HK$333,800
+HK$16,714/mo
Deposit HK$6.59M · loan HK$59.29M · min. income ≈ HK$634,172/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,800,029 · Scale 2, in force from 26 Feb 2026)