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$150,118
−HK$9,414/mo
▼ 0.25% · 3.875%
HK$154,788
−HK$4,744/mo
Today · 4.125%
HK$159,532
baseline
▲ 0.50% · 4.625%
HK$169,239
+HK$9,707/mo
Deposit HK$32.92M · loan HK$32.92M · min. income ≈ HK$319,064/mo (50% DSR)
Upfront cash ≈ HK$35.71M (deposit + AVD stamp duty HK$2,797,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,005
−HK$9,023/mo
▼ 0.25% · 3.875%
HK$171,484
−HK$4,544/mo
Today · 4.125%
HK$176,028
baseline
▲ 0.50% · 4.625%
HK$185,306
+HK$9,278/mo
Deposit HK$32.92M · loan HK$32.92M · min. income ≈ HK$352,056/mo (50% DSR)
Upfront cash ≈ HK$35.71M (deposit + AVD stamp duty HK$2,797,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,142
−HK$11,296/mo
▼ 0.25% · 3.875%
HK$185,745
−HK$5,693/mo
Today · 4.125%
HK$191,438
baseline
▲ 0.50% · 4.625%
HK$203,087
+HK$11,649/mo
Deposit HK$26.33M · loan HK$39.50M · min. income ≈ HK$382,876/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,797,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,406
−HK$10,827/mo
▼ 0.25% · 3.875%
HK$205,781
−HK$5,452/mo
Today · 4.125%
HK$211,233
baseline
▲ 0.50% · 4.625%
HK$222,368
+HK$11,135/mo
Deposit HK$26.33M · loan HK$39.50M · min. income ≈ HK$422,466/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,797,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,165
−HK$13,180/mo
▼ 0.25% · 3.875%
HK$216,703
−HK$6,642/mo
Today · 4.125%
HK$223,345
baseline
▲ 0.50% · 4.625%
HK$236,935
+HK$13,590/mo
Deposit HK$19.75M · loan HK$46.08M · min. income ≈ HK$446,690/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,797,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,807
−HK$12,632/mo
▼ 0.25% · 3.875%
HK$240,078
−HK$6,361/mo
Today · 4.125%
HK$246,439
baseline
▲ 0.50% · 4.625%
HK$259,429
+HK$12,990/mo
Deposit HK$19.75M · loan HK$46.08M · min. income ≈ HK$492,878/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$2,797,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,213
−HK$16,944/mo
▼ 0.25% · 3.875%
HK$278,618
−HK$8,539/mo
Today · 4.125%
HK$287,157
baseline
▲ 0.50% · 4.625%
HK$304,630
+HK$17,473/mo
Deposit HK$6.58M · loan HK$59.25M · min. income ≈ HK$574,314/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$2,797,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,609
−HK$16,241/mo
▼ 0.25% · 3.875%
HK$308,671
−HK$8,179/mo
Today · 4.125%
HK$316,850
baseline
▲ 0.50% · 4.625%
HK$333,552
+HK$16,702/mo
Deposit HK$6.58M · loan HK$59.25M · min. income ≈ HK$633,700/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$2,797,942 · Scale 2, in force from 26 Feb 2026)