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$155,202
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$160,029
−HK$4,905/mo
Today · 4.125%
HK$164,934
baseline
▲ 0.50% · 4.625%
HK$174,970
+HK$10,036/mo
Deposit HK$34.03M · loan HK$34.03M · min. income ≈ HK$329,868/mo (50% DSR)
Upfront cash ≈ HK$36.92M (deposit + AVD stamp duty HK$2,892,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,660
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,291
−HK$4,698/mo
Today · 4.125%
HK$181,989
baseline
▲ 0.50% · 4.625%
HK$191,581
+HK$9,592/mo
Deposit HK$34.03M · loan HK$34.03M · min. income ≈ HK$363,978/mo (50% DSR)
Upfront cash ≈ HK$36.92M (deposit + AVD stamp duty HK$2,892,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,242
−HK$11,679/mo
▼ 0.25% · 3.875%
HK$192,035
−HK$5,886/mo
Today · 4.125%
HK$197,921
baseline
▲ 0.50% · 4.625%
HK$209,964
+HK$12,043/mo
Deposit HK$27.23M · loan HK$40.84M · min. income ≈ HK$395,842/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,892,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,192
−HK$11,194/mo
▼ 0.25% · 3.875%
HK$212,749
−HK$5,637/mo
Today · 4.125%
HK$218,386
baseline
▲ 0.50% · 4.625%
HK$229,898
+HK$11,512/mo
Deposit HK$27.23M · loan HK$40.84M · min. income ≈ HK$436,772/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,892,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,282
−HK$13,626/mo
▼ 0.25% · 3.875%
HK$224,041
−HK$6,867/mo
Today · 4.125%
HK$230,908
baseline
▲ 0.50% · 4.625%
HK$244,958
+HK$14,050/mo
Deposit HK$20.42M · loan HK$47.64M · min. income ≈ HK$461,816/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$2,892,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,724
−HK$13,060/mo
▼ 0.25% · 3.875%
HK$248,207
−HK$6,577/mo
Today · 4.125%
HK$254,784
baseline
▲ 0.50% · 4.625%
HK$268,214
+HK$13,430/mo
Deposit HK$20.42M · loan HK$47.64M · min. income ≈ HK$509,568/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$2,892,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,363
−HK$17,518/mo
▼ 0.25% · 3.875%
HK$288,053
−HK$8,828/mo
Today · 4.125%
HK$296,881
baseline
▲ 0.50% · 4.625%
HK$314,946
+HK$18,065/mo
Deposit HK$6.81M · loan HK$61.26M · min. income ≈ HK$593,762/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$2,892,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,788
−HK$16,791/mo
▼ 0.25% · 3.875%
HK$319,124
−HK$8,455/mo
Today · 4.125%
HK$327,579
baseline
▲ 0.50% · 4.625%
HK$344,847
+HK$17,268/mo
Deposit HK$6.81M · loan HK$61.26M · min. income ≈ HK$655,158/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$2,892,687 · Scale 2, in force from 26 Feb 2026)