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$155,051
−HK$9,723/mo
▼ 0.25% · 3.875%
HK$159,874
−HK$4,900/mo
Today · 4.125%
HK$164,774
baseline
▲ 0.50% · 4.625%
HK$174,800
+HK$10,026/mo
Deposit HK$34.00M · loan HK$34.00M · min. income ≈ HK$329,548/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$2,889,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,492
−HK$9,320/mo
▼ 0.25% · 3.875%
HK$177,119
−HK$4,693/mo
Today · 4.125%
HK$181,812
baseline
▲ 0.50% · 4.625%
HK$191,395
+HK$9,583/mo
Deposit HK$34.00M · loan HK$34.00M · min. income ≈ HK$363,624/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$2,889,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,061
−HK$11,668/mo
▼ 0.25% · 3.875%
HK$191,848
−HK$5,881/mo
Today · 4.125%
HK$197,729
baseline
▲ 0.50% · 4.625%
HK$209,760
+HK$12,031/mo
Deposit HK$27.20M · loan HK$40.80M · min. income ≈ HK$395,458/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,889,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,991
−HK$11,183/mo
▼ 0.25% · 3.875%
HK$212,542
−HK$5,632/mo
Today · 4.125%
HK$218,174
baseline
▲ 0.50% · 4.625%
HK$229,674
+HK$11,500/mo
Deposit HK$27.20M · loan HK$40.80M · min. income ≈ HK$436,348/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,889,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,071
−HK$13,612/mo
▼ 0.25% · 3.875%
HK$223,823
−HK$6,860/mo
Today · 4.125%
HK$230,683
baseline
▲ 0.50% · 4.625%
HK$244,720
+HK$14,037/mo
Deposit HK$20.40M · loan HK$47.60M · min. income ≈ HK$461,366/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,889,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,489
−HK$13,047/mo
▼ 0.25% · 3.875%
HK$247,966
−HK$6,570/mo
Today · 4.125%
HK$254,536
baseline
▲ 0.50% · 4.625%
HK$267,953
+HK$13,417/mo
Deposit HK$20.40M · loan HK$47.60M · min. income ≈ HK$509,072/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,889,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,091
−HK$17,502/mo
▼ 0.25% · 3.875%
HK$287,773
−HK$8,820/mo
Today · 4.125%
HK$296,593
baseline
▲ 0.50% · 4.625%
HK$314,640
+HK$18,047/mo
Deposit HK$6.80M · loan HK$61.20M · min. income ≈ HK$593,186/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,889,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,486
−HK$16,775/mo
▼ 0.25% · 3.875%
HK$318,813
−HK$8,448/mo
Today · 4.125%
HK$327,261
baseline
▲ 0.50% · 4.625%
HK$344,511
+HK$17,250/mo
Deposit HK$6.80M · loan HK$61.20M · min. income ≈ HK$654,522/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,889,876 · Scale 2, in force from 26 Feb 2026)