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$156,326
−HK$9,803/mo
▼ 0.25% · 3.875%
HK$161,189
−HK$4,940/mo
Today · 4.125%
HK$166,129
baseline
▲ 0.50% · 4.625%
HK$176,237
+HK$10,108/mo
Deposit HK$34.28M · loan HK$34.28M · min. income ≈ HK$332,258/mo (50% DSR)
Upfront cash ≈ HK$37.19M (deposit + AVD stamp duty HK$2,913,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,911
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$178,575
−HK$4,732/mo
Today · 4.125%
HK$183,307
baseline
▲ 0.50% · 4.625%
HK$192,969
+HK$9,662/mo
Deposit HK$34.28M · loan HK$34.28M · min. income ≈ HK$366,614/mo (50% DSR)
Upfront cash ≈ HK$37.19M (deposit + AVD stamp duty HK$2,913,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,591
−HK$11,764/mo
▼ 0.25% · 3.875%
HK$193,426
−HK$5,929/mo
Today · 4.125%
HK$199,355
baseline
▲ 0.50% · 4.625%
HK$211,485
+HK$12,130/mo
Deposit HK$27.42M · loan HK$41.13M · min. income ≈ HK$398,710/mo (50% DSR)
Upfront cash ≈ HK$30.34M (deposit + AVD stamp duty HK$2,913,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,693
−HK$11,275/mo
▼ 0.25% · 3.875%
HK$214,290
−HK$5,678/mo
Today · 4.125%
HK$219,968
baseline
▲ 0.50% · 4.625%
HK$231,563
+HK$11,595/mo
Deposit HK$27.42M · loan HK$41.13M · min. income ≈ HK$439,936/mo (50% DSR)
Upfront cash ≈ HK$30.34M (deposit + AVD stamp duty HK$2,913,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,856
−HK$13,724/mo
▼ 0.25% · 3.875%
HK$225,664
−HK$6,916/mo
Today · 4.125%
HK$232,580
baseline
▲ 0.50% · 4.625%
HK$246,732
+HK$14,152/mo
Deposit HK$20.57M · loan HK$47.99M · min. income ≈ HK$465,160/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,913,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,475
−HK$13,155/mo
▼ 0.25% · 3.875%
HK$250,005
−HK$6,625/mo
Today · 4.125%
HK$256,630
baseline
▲ 0.50% · 4.625%
HK$270,157
+HK$13,527/mo
Deposit HK$20.57M · loan HK$47.99M · min. income ≈ HK$513,260/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,913,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,387
−HK$17,645/mo
▼ 0.25% · 3.875%
HK$290,139
−HK$8,893/mo
Today · 4.125%
HK$299,032
baseline
▲ 0.50% · 4.625%
HK$317,227
+HK$18,195/mo
Deposit HK$6.86M · loan HK$61.70M · min. income ≈ HK$598,064/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$2,913,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,040
−HK$16,912/mo
▼ 0.25% · 3.875%
HK$321,435
−HK$8,517/mo
Today · 4.125%
HK$329,952
baseline
▲ 0.50% · 4.625%
HK$347,345
+HK$17,393/mo
Deposit HK$6.86M · loan HK$61.70M · min. income ≈ HK$659,904/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$2,913,642 · Scale 2, in force from 26 Feb 2026)