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$151,886
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$156,611
−HK$4,800/mo
Today · 4.125%
HK$161,411
baseline
▲ 0.50% · 4.625%
HK$171,232
+HK$9,821/mo
Deposit HK$33.30M · loan HK$33.30M · min. income ≈ HK$322,822/mo (50% DSR)
Upfront cash ≈ HK$36.14M (deposit + AVD stamp duty HK$2,830,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,972
−HK$9,129/mo
▼ 0.25% · 3.875%
HK$173,504
−HK$4,597/mo
Today · 4.125%
HK$178,101
baseline
▲ 0.50% · 4.625%
HK$187,489
+HK$9,388/mo
Deposit HK$33.30M · loan HK$33.30M · min. income ≈ HK$356,202/mo (50% DSR)
Upfront cash ≈ HK$36.14M (deposit + AVD stamp duty HK$2,830,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,263
−HK$11,430/mo
▼ 0.25% · 3.875%
HK$187,933
−HK$5,760/mo
Today · 4.125%
HK$193,693
baseline
▲ 0.50% · 4.625%
HK$205,479
+HK$11,786/mo
Deposit HK$26.64M · loan HK$39.97M · min. income ≈ HK$387,386/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,830,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,766
−HK$10,955/mo
▼ 0.25% · 3.875%
HK$208,204
−HK$5,517/mo
Today · 4.125%
HK$213,721
baseline
▲ 0.50% · 4.625%
HK$224,986
+HK$11,265/mo
Deposit HK$26.64M · loan HK$39.97M · min. income ≈ HK$427,442/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,830,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,641
−HK$13,334/mo
▼ 0.25% · 3.875%
HK$219,255
−HK$6,720/mo
Today · 4.125%
HK$225,975
baseline
▲ 0.50% · 4.625%
HK$239,725
+HK$13,750/mo
Deposit HK$19.98M · loan HK$46.63M · min. income ≈ HK$451,950/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,830,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,560
−HK$12,781/mo
▼ 0.25% · 3.875%
HK$242,905
−HK$6,436/mo
Today · 4.125%
HK$249,341
baseline
▲ 0.50% · 4.625%
HK$262,484
+HK$13,143/mo
Deposit HK$19.98M · loan HK$46.63M · min. income ≈ HK$498,682/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$2,830,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,395
−HK$17,144/mo
▼ 0.25% · 3.875%
HK$281,899
−HK$8,640/mo
Today · 4.125%
HK$290,539
baseline
▲ 0.50% · 4.625%
HK$308,218
+HK$17,679/mo
Deposit HK$6.66M · loan HK$59.95M · min. income ≈ HK$581,078/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$2,830,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$304,149
−HK$16,432/mo
▼ 0.25% · 3.875%
HK$312,306
−HK$8,275/mo
Today · 4.125%
HK$320,581
baseline
▲ 0.50% · 4.625%
HK$337,480
+HK$16,899/mo
Deposit HK$6.66M · loan HK$59.95M · min. income ≈ HK$641,162/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$2,830,892 · Scale 2, in force from 26 Feb 2026)