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$153,064
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$157,825
−HK$4,837/mo
Today · 4.125%
HK$162,662
baseline
▲ 0.50% · 4.625%
HK$172,560
+HK$9,898/mo
Deposit HK$33.56M · loan HK$33.56M · min. income ≈ HK$325,324/mo (50% DSR)
Upfront cash ≈ HK$36.42M (deposit + AVD stamp duty HK$2,852,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,282
−HK$9,200/mo
▼ 0.25% · 3.875%
HK$174,849
−HK$4,633/mo
Today · 4.125%
HK$179,482
baseline
▲ 0.50% · 4.625%
HK$188,943
+HK$9,461/mo
Deposit HK$33.56M · loan HK$33.56M · min. income ≈ HK$358,964/mo (50% DSR)
Upfront cash ≈ HK$36.42M (deposit + AVD stamp duty HK$2,852,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,677
−HK$11,518/mo
▼ 0.25% · 3.875%
HK$189,390
−HK$5,805/mo
Today · 4.125%
HK$195,195
baseline
▲ 0.50% · 4.625%
HK$207,072
+HK$11,877/mo
Deposit HK$26.85M · loan HK$40.28M · min. income ≈ HK$390,390/mo (50% DSR)
Upfront cash ≈ HK$29.70M (deposit + AVD stamp duty HK$2,852,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,338
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$209,819
−HK$5,559/mo
Today · 4.125%
HK$215,378
baseline
▲ 0.50% · 4.625%
HK$226,731
+HK$11,353/mo
Deposit HK$26.85M · loan HK$40.28M · min. income ≈ HK$430,756/mo (50% DSR)
Upfront cash ≈ HK$29.70M (deposit + AVD stamp duty HK$2,852,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,289
−HK$13,438/mo
▼ 0.25% · 3.875%
HK$220,955
−HK$6,772/mo
Today · 4.125%
HK$227,727
baseline
▲ 0.50% · 4.625%
HK$241,584
+HK$13,857/mo
Deposit HK$20.14M · loan HK$46.99M · min. income ≈ HK$455,454/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,852,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,395
−HK$12,879/mo
▼ 0.25% · 3.875%
HK$244,788
−HK$6,486/mo
Today · 4.125%
HK$251,274
baseline
▲ 0.50% · 4.625%
HK$264,520
+HK$13,246/mo
Deposit HK$20.14M · loan HK$46.99M · min. income ≈ HK$502,548/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,852,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,515
−HK$17,277/mo
▼ 0.25% · 3.875%
HK$284,085
−HK$8,707/mo
Today · 4.125%
HK$292,792
baseline
▲ 0.50% · 4.625%
HK$310,608
+HK$17,816/mo
Deposit HK$6.71M · loan HK$60.41M · min. income ≈ HK$585,584/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,852,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,508
−HK$16,559/mo
▼ 0.25% · 3.875%
HK$314,728
−HK$8,339/mo
Today · 4.125%
HK$323,067
baseline
▲ 0.50% · 4.625%
HK$340,097
+HK$17,030/mo
Deposit HK$6.71M · loan HK$60.41M · min. income ≈ HK$646,134/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$2,852,843 · Scale 2, in force from 26 Feb 2026)