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$148,511
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,131
−HK$4,693/mo
Today · 4.125%
HK$157,824
baseline
▲ 0.50% · 4.625%
HK$167,428
+HK$9,604/mo
Deposit HK$32.56M · loan HK$32.56M · min. income ≈ HK$315,648/mo (50% DSR)
Upfront cash ≈ HK$35.33M (deposit + AVD stamp duty HK$2,767,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,217
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$169,648
−HK$4,496/mo
Today · 4.125%
HK$174,144
baseline
▲ 0.50% · 4.625%
HK$183,323
+HK$9,179/mo
Deposit HK$32.56M · loan HK$32.56M · min. income ≈ HK$348,288/mo (50% DSR)
Upfront cash ≈ HK$35.33M (deposit + AVD stamp duty HK$2,767,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,214
−HK$11,175/mo
▼ 0.25% · 3.875%
HK$183,757
−HK$5,632/mo
Today · 4.125%
HK$189,389
baseline
▲ 0.50% · 4.625%
HK$200,913
+HK$11,524/mo
Deposit HK$26.05M · loan HK$39.08M · min. income ≈ HK$378,778/mo (50% DSR)
Upfront cash ≈ HK$28.82M (deposit + AVD stamp duty HK$2,767,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,261
−HK$10,711/mo
▼ 0.25% · 3.875%
HK$203,578
−HK$5,394/mo
Today · 4.125%
HK$208,972
baseline
▲ 0.50% · 4.625%
HK$219,988
+HK$11,016/mo
Deposit HK$26.05M · loan HK$39.08M · min. income ≈ HK$417,944/mo (50% DSR)
Upfront cash ≈ HK$28.82M (deposit + AVD stamp duty HK$2,767,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,916
−HK$13,038/mo
▼ 0.25% · 3.875%
HK$214,383
−HK$6,571/mo
Today · 4.125%
HK$220,954
baseline
▲ 0.50% · 4.625%
HK$234,399
+HK$13,445/mo
Deposit HK$19.54M · loan HK$45.59M · min. income ≈ HK$441,908/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$2,767,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,304
−HK$12,497/mo
▼ 0.25% · 3.875%
HK$237,508
−HK$6,293/mo
Today · 4.125%
HK$243,801
baseline
▲ 0.50% · 4.625%
HK$256,652
+HK$12,851/mo
Deposit HK$19.54M · loan HK$45.59M · min. income ≈ HK$487,602/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$2,767,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,321
−HK$16,763/mo
▼ 0.25% · 3.875%
HK$275,636
−HK$8,448/mo
Today · 4.125%
HK$284,084
baseline
▲ 0.50% · 4.625%
HK$301,370
+HK$17,286/mo
Deposit HK$6.51M · loan HK$58.62M · min. income ≈ HK$568,168/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$2,767,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,391
−HK$16,068/mo
▼ 0.25% · 3.875%
HK$305,367
−HK$8,092/mo
Today · 4.125%
HK$313,459
baseline
▲ 0.50% · 4.625%
HK$329,981
+HK$16,522/mo
Deposit HK$6.51M · loan HK$58.62M · min. income ≈ HK$626,918/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$2,767,994 · Scale 2, in force from 26 Feb 2026)