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$156,490
−HK$9,814/mo
▼ 0.25% · 3.875%
HK$161,358
−HK$4,946/mo
Today · 4.125%
HK$166,304
baseline
▲ 0.50% · 4.625%
HK$176,423
+HK$10,119/mo
Deposit HK$34.31M · loan HK$34.31M · min. income ≈ HK$332,608/mo (50% DSR)
Upfront cash ≈ HK$37.23M (deposit + AVD stamp duty HK$2,916,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,094
−HK$9,406/mo
▼ 0.25% · 3.875%
HK$178,763
−HK$4,737/mo
Today · 4.125%
HK$183,500
baseline
▲ 0.50% · 4.625%
HK$193,172
+HK$9,672/mo
Deposit HK$34.31M · loan HK$34.31M · min. income ≈ HK$367,000/mo (50% DSR)
Upfront cash ≈ HK$37.23M (deposit + AVD stamp duty HK$2,916,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,788
−HK$11,776/mo
▼ 0.25% · 3.875%
HK$193,630
−HK$5,934/mo
Today · 4.125%
HK$199,564
baseline
▲ 0.50% · 4.625%
HK$211,707
+HK$12,143/mo
Deposit HK$27.45M · loan HK$41.18M · min. income ≈ HK$399,128/mo (50% DSR)
Upfront cash ≈ HK$30.37M (deposit + AVD stamp duty HK$2,916,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,913
−HK$11,287/mo
▼ 0.25% · 3.875%
HK$214,516
−HK$5,684/mo
Today · 4.125%
HK$220,200
baseline
▲ 0.50% · 4.625%
HK$231,807
+HK$11,607/mo
Deposit HK$27.45M · loan HK$41.18M · min. income ≈ HK$440,400/mo (50% DSR)
Upfront cash ≈ HK$30.37M (deposit + AVD stamp duty HK$2,916,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,087
−HK$13,738/mo
▼ 0.25% · 3.875%
HK$225,901
−HK$6,924/mo
Today · 4.125%
HK$232,825
baseline
▲ 0.50% · 4.625%
HK$246,992
+HK$14,167/mo
Deposit HK$20.59M · loan HK$48.04M · min. income ≈ HK$465,650/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$2,916,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,732
−HK$13,168/mo
▼ 0.25% · 3.875%
HK$250,268
−HK$6,632/mo
Today · 4.125%
HK$256,900
baseline
▲ 0.50% · 4.625%
HK$270,441
+HK$13,541/mo
Deposit HK$20.59M · loan HK$48.04M · min. income ≈ HK$513,800/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$2,916,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,683
−HK$17,664/mo
▼ 0.25% · 3.875%
HK$290,445
−HK$8,902/mo
Today · 4.125%
HK$299,347
baseline
▲ 0.50% · 4.625%
HK$317,561
+HK$18,214/mo
Deposit HK$6.86M · loan HK$61.77M · min. income ≈ HK$598,694/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,916,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$313,369
−HK$16,930/mo
▼ 0.25% · 3.875%
HK$321,774
−HK$8,525/mo
Today · 4.125%
HK$330,299
baseline
▲ 0.50% · 4.625%
HK$347,710
+HK$17,411/mo
Deposit HK$6.86M · loan HK$61.77M · min. income ≈ HK$660,598/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$2,916,708 · Scale 2, in force from 26 Feb 2026)