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$151,656
−HK$9,510/mo
▼ 0.25% · 3.875%
HK$156,373
−HK$4,793/mo
Today · 4.125%
HK$161,166
baseline
▲ 0.50% · 4.625%
HK$170,973
+HK$9,807/mo
Deposit HK$33.25M · loan HK$33.25M · min. income ≈ HK$322,332/mo (50% DSR)
Upfront cash ≈ HK$36.08M (deposit + AVD stamp duty HK$2,826,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,716
−HK$9,115/mo
▼ 0.25% · 3.875%
HK$173,241
−HK$4,590/mo
Today · 4.125%
HK$177,831
baseline
▲ 0.50% · 4.625%
HK$187,205
+HK$9,374/mo
Deposit HK$33.25M · loan HK$33.25M · min. income ≈ HK$355,662/mo (50% DSR)
Upfront cash ≈ HK$36.08M (deposit + AVD stamp duty HK$2,826,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,987
−HK$11,412/mo
▼ 0.25% · 3.875%
HK$187,648
−HK$5,751/mo
Today · 4.125%
HK$193,399
baseline
▲ 0.50% · 4.625%
HK$205,167
+HK$11,768/mo
Deposit HK$26.60M · loan HK$39.90M · min. income ≈ HK$386,798/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$2,826,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,459
−HK$10,938/mo
▼ 0.25% · 3.875%
HK$207,889
−HK$5,508/mo
Today · 4.125%
HK$213,397
baseline
▲ 0.50% · 4.625%
HK$224,646
+HK$11,249/mo
Deposit HK$26.60M · loan HK$39.90M · min. income ≈ HK$426,794/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$2,826,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,318
−HK$13,315/mo
▼ 0.25% · 3.875%
HK$218,923
−HK$6,710/mo
Today · 4.125%
HK$225,633
baseline
▲ 0.50% · 4.625%
HK$239,362
+HK$13,729/mo
Deposit HK$19.95M · loan HK$46.56M · min. income ≈ HK$451,266/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,826,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,202
−HK$12,761/mo
▼ 0.25% · 3.875%
HK$242,537
−HK$6,426/mo
Today · 4.125%
HK$248,963
baseline
▲ 0.50% · 4.625%
HK$262,086
+HK$13,123/mo
Deposit HK$19.95M · loan HK$46.56M · min. income ≈ HK$497,926/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$2,826,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,981
−HK$17,118/mo
▼ 0.25% · 3.875%
HK$281,472
−HK$8,627/mo
Today · 4.125%
HK$290,099
baseline
▲ 0.50% · 4.625%
HK$307,751
+HK$17,652/mo
Deposit HK$6.65M · loan HK$59.86M · min. income ≈ HK$580,198/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$2,826,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,688
−HK$16,408/mo
▼ 0.25% · 3.875%
HK$311,833
−HK$8,263/mo
Today · 4.125%
HK$320,096
baseline
▲ 0.50% · 4.625%
HK$336,968
+HK$16,872/mo
Deposit HK$6.65M · loan HK$59.86M · min. income ≈ HK$640,192/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$2,826,603 · Scale 2, in force from 26 Feb 2026)