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$158,501
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$163,432
−HK$5,009/mo
Today · 4.125%
HK$168,441
baseline
▲ 0.50% · 4.625%
HK$178,690
+HK$10,249/mo
Deposit HK$34.76M · loan HK$34.76M · min. income ≈ HK$336,882/mo (50% DSR)
Upfront cash ≈ HK$37.71M (deposit + AVD stamp duty HK$2,954,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,331
−HK$9,527/mo
▼ 0.25% · 3.875%
HK$181,060
−HK$4,798/mo
Today · 4.125%
HK$185,858
baseline
▲ 0.50% · 4.625%
HK$195,655
+HK$9,797/mo
Deposit HK$34.76M · loan HK$34.76M · min. income ≈ HK$371,716/mo (50% DSR)
Upfront cash ≈ HK$37.71M (deposit + AVD stamp duty HK$2,954,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,202
−HK$11,927/mo
▼ 0.25% · 3.875%
HK$196,118
−HK$6,011/mo
Today · 4.125%
HK$202,129
baseline
▲ 0.50% · 4.625%
HK$214,428
+HK$12,299/mo
Deposit HK$27.80M · loan HK$41.71M · min. income ≈ HK$404,258/mo (50% DSR)
Upfront cash ≈ HK$30.76M (deposit + AVD stamp duty HK$2,954,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,598
−HK$11,431/mo
▼ 0.25% · 3.875%
HK$217,272
−HK$5,757/mo
Today · 4.125%
HK$223,029
baseline
▲ 0.50% · 4.625%
HK$234,786
+HK$11,757/mo
Deposit HK$27.80M · loan HK$41.71M · min. income ≈ HK$446,058/mo (50% DSR)
Upfront cash ≈ HK$30.76M (deposit + AVD stamp duty HK$2,954,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,902
−HK$13,915/mo
▼ 0.25% · 3.875%
HK$228,804
−HK$7,013/mo
Today · 4.125%
HK$235,817
baseline
▲ 0.50% · 4.625%
HK$250,166
+HK$14,349/mo
Deposit HK$20.85M · loan HK$48.66M · min. income ≈ HK$471,634/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,954,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,864
−HK$13,337/mo
▼ 0.25% · 3.875%
HK$253,485
−HK$6,716/mo
Today · 4.125%
HK$260,201
baseline
▲ 0.50% · 4.625%
HK$273,917
+HK$13,716/mo
Deposit HK$20.85M · loan HK$48.66M · min. income ≈ HK$520,402/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,954,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,303
−HK$17,891/mo
▼ 0.25% · 3.875%
HK$294,177
−HK$9,017/mo
Today · 4.125%
HK$303,194
baseline
▲ 0.50% · 4.625%
HK$321,642
+HK$18,448/mo
Deposit HK$6.95M · loan HK$62.56M · min. income ≈ HK$606,388/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,954,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,396
−HK$17,148/mo
▼ 0.25% · 3.875%
HK$325,909
−HK$8,635/mo
Today · 4.125%
HK$334,544
baseline
▲ 0.50% · 4.625%
HK$352,178
+HK$17,634/mo
Deposit HK$6.95M · loan HK$62.56M · min. income ≈ HK$669,088/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,954,191 · Scale 2, in force from 26 Feb 2026)