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$155,040
−HK$9,722/mo
▼ 0.25% · 3.875%
HK$159,862
−HK$4,900/mo
Today · 4.125%
HK$164,762
baseline
▲ 0.50% · 4.625%
HK$174,788
+HK$10,026/mo
Deposit HK$34.00M · loan HK$34.00M · min. income ≈ HK$329,524/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$2,889,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,480
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$177,106
−HK$4,693/mo
Today · 4.125%
HK$181,799
baseline
▲ 0.50% · 4.625%
HK$191,382
+HK$9,583/mo
Deposit HK$34.00M · loan HK$34.00M · min. income ≈ HK$363,598/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$2,889,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,048
−HK$11,667/mo
▼ 0.25% · 3.875%
HK$191,835
−HK$5,880/mo
Today · 4.125%
HK$197,715
baseline
▲ 0.50% · 4.625%
HK$209,745
+HK$12,030/mo
Deposit HK$27.20M · loan HK$40.80M · min. income ≈ HK$395,430/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,889,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,976
−HK$11,183/mo
▼ 0.25% · 3.875%
HK$212,527
−HK$5,632/mo
Today · 4.125%
HK$218,159
baseline
▲ 0.50% · 4.625%
HK$229,658
+HK$11,499/mo
Deposit HK$27.20M · loan HK$40.80M · min. income ≈ HK$436,318/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,889,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,056
−HK$13,611/mo
▼ 0.25% · 3.875%
HK$223,807
−HK$6,860/mo
Today · 4.125%
HK$230,667
baseline
▲ 0.50% · 4.625%
HK$244,703
+HK$14,036/mo
Deposit HK$20.40M · loan HK$47.59M · min. income ≈ HK$461,334/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,889,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,472
−HK$13,046/mo
▼ 0.25% · 3.875%
HK$247,948
−HK$6,570/mo
Today · 4.125%
HK$254,518
baseline
▲ 0.50% · 4.625%
HK$267,934
+HK$13,416/mo
Deposit HK$20.40M · loan HK$47.59M · min. income ≈ HK$509,036/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,889,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,072
−HK$17,500/mo
▼ 0.25% · 3.875%
HK$287,752
−HK$8,820/mo
Today · 4.125%
HK$296,572
baseline
▲ 0.50% · 4.625%
HK$314,618
+HK$18,046/mo
Deposit HK$6.80M · loan HK$61.19M · min. income ≈ HK$593,144/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,889,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,464
−HK$16,774/mo
▼ 0.25% · 3.875%
HK$318,791
−HK$8,447/mo
Today · 4.125%
HK$327,238
baseline
▲ 0.50% · 4.625%
HK$344,487
+HK$17,249/mo
Deposit HK$6.80M · loan HK$61.19M · min. income ≈ HK$654,476/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,889,672 · Scale 2, in force from 26 Feb 2026)