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$156,474
−HK$9,812/mo
▼ 0.25% · 3.875%
HK$161,341
−HK$4,945/mo
Today · 4.125%
HK$166,286
baseline
▲ 0.50% · 4.625%
HK$176,404
+HK$10,118/mo
Deposit HK$34.31M · loan HK$34.31M · min. income ≈ HK$332,572/mo (50% DSR)
Upfront cash ≈ HK$37.23M (deposit + AVD stamp duty HK$2,916,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,076
−HK$9,404/mo
▼ 0.25% · 3.875%
HK$178,744
−HK$4,736/mo
Today · 4.125%
HK$183,480
baseline
▲ 0.50% · 4.625%
HK$193,152
+HK$9,672/mo
Deposit HK$34.31M · loan HK$34.31M · min. income ≈ HK$366,960/mo (50% DSR)
Upfront cash ≈ HK$37.23M (deposit + AVD stamp duty HK$2,916,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,769
−HK$11,774/mo
▼ 0.25% · 3.875%
HK$193,609
−HK$5,934/mo
Today · 4.125%
HK$199,543
baseline
▲ 0.50% · 4.625%
HK$211,685
+HK$12,142/mo
Deposit HK$27.45M · loan HK$41.17M · min. income ≈ HK$399,086/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,916,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,891
−HK$11,285/mo
▼ 0.25% · 3.875%
HK$214,493
−HK$5,683/mo
Today · 4.125%
HK$220,176
baseline
▲ 0.50% · 4.625%
HK$231,782
+HK$11,606/mo
Deposit HK$27.45M · loan HK$41.17M · min. income ≈ HK$440,352/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,916,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,063
−HK$13,738/mo
▼ 0.25% · 3.875%
HK$225,878
−HK$6,923/mo
Today · 4.125%
HK$232,801
baseline
▲ 0.50% · 4.625%
HK$246,966
+HK$14,165/mo
Deposit HK$20.59M · loan HK$48.03M · min. income ≈ HK$465,602/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,916,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,706
−HK$13,167/mo
▼ 0.25% · 3.875%
HK$250,242
−HK$6,631/mo
Today · 4.125%
HK$256,873
baseline
▲ 0.50% · 4.625%
HK$270,413
+HK$13,540/mo
Deposit HK$20.59M · loan HK$48.03M · min. income ≈ HK$513,746/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,916,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,653
−HK$17,662/mo
▼ 0.25% · 3.875%
HK$290,414
−HK$8,901/mo
Today · 4.125%
HK$299,315
baseline
▲ 0.50% · 4.625%
HK$317,528
+HK$18,213/mo
Deposit HK$6.86M · loan HK$61.76M · min. income ≈ HK$598,630/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,916,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,336
−HK$16,929/mo
▼ 0.25% · 3.875%
HK$321,740
−HK$8,525/mo
Today · 4.125%
HK$330,265
baseline
▲ 0.50% · 4.625%
HK$347,673
+HK$17,408/mo
Deposit HK$6.86M · loan HK$61.76M · min. income ≈ HK$660,530/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,916,400 · Scale 2, in force from 26 Feb 2026)