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$149,388
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,035
−HK$4,721/mo
Today · 4.125%
HK$158,756
baseline
▲ 0.50% · 4.625%
HK$168,416
+HK$9,660/mo
Deposit HK$32.76M · loan HK$32.76M · min. income ≈ HK$317,512/mo (50% DSR)
Upfront cash ≈ HK$35.54M (deposit + AVD stamp duty HK$2,784,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,193
−HK$8,978/mo
▼ 0.25% · 3.875%
HK$170,650
−HK$4,521/mo
Today · 4.125%
HK$175,171
baseline
▲ 0.50% · 4.625%
HK$184,405
+HK$9,234/mo
Deposit HK$32.76M · loan HK$32.76M · min. income ≈ HK$350,342/mo (50% DSR)
Upfront cash ≈ HK$35.54M (deposit + AVD stamp duty HK$2,784,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,265
−HK$11,242/mo
▼ 0.25% · 3.875%
HK$184,842
−HK$5,665/mo
Today · 4.125%
HK$190,507
baseline
▲ 0.50% · 4.625%
HK$202,099
+HK$11,592/mo
Deposit HK$26.21M · loan HK$39.31M · min. income ≈ HK$381,014/mo (50% DSR)
Upfront cash ≈ HK$28.99M (deposit + AVD stamp duty HK$2,784,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,431
−HK$10,775/mo
▼ 0.25% · 3.875%
HK$204,780
−HK$5,426/mo
Today · 4.125%
HK$210,206
baseline
▲ 0.50% · 4.625%
HK$221,286
+HK$11,080/mo
Deposit HK$26.21M · loan HK$39.31M · min. income ≈ HK$420,412/mo (50% DSR)
Upfront cash ≈ HK$28.99M (deposit + AVD stamp duty HK$2,784,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,143
−HK$13,115/mo
▼ 0.25% · 3.875%
HK$215,649
−HK$6,609/mo
Today · 4.125%
HK$222,258
baseline
▲ 0.50% · 4.625%
HK$235,782
+HK$13,524/mo
Deposit HK$19.65M · loan HK$45.86M · min. income ≈ HK$444,516/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,784,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,670
−HK$12,570/mo
▼ 0.25% · 3.875%
HK$238,910
−HK$6,330/mo
Today · 4.125%
HK$245,240
baseline
▲ 0.50% · 4.625%
HK$258,167
+HK$12,927/mo
Deposit HK$19.65M · loan HK$45.86M · min. income ≈ HK$490,480/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$2,784,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,898
−HK$16,862/mo
▼ 0.25% · 3.875%
HK$277,262
−HK$8,498/mo
Today · 4.125%
HK$285,760
baseline
▲ 0.50% · 4.625%
HK$303,148
+HK$17,388/mo
Deposit HK$6.55M · loan HK$58.96M · min. income ≈ HK$571,520/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,784,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,147
−HK$16,161/mo
▼ 0.25% · 3.875%
HK$307,169
−HK$8,139/mo
Today · 4.125%
HK$315,308
baseline
▲ 0.50% · 4.625%
HK$331,929
+HK$16,621/mo
Deposit HK$6.55M · loan HK$58.96M · min. income ≈ HK$630,616/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,784,330 · Scale 2, in force from 26 Feb 2026)