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$151,060
−HK$9,473/mo
▼ 0.25% · 3.875%
HK$155,759
−HK$4,774/mo
Today · 4.125%
HK$160,533
baseline
▲ 0.50% · 4.625%
HK$170,301
+HK$9,768/mo
Deposit HK$33.12M · loan HK$33.12M · min. income ≈ HK$321,066/mo (50% DSR)
Upfront cash ≈ HK$35.94M (deposit + AVD stamp duty HK$2,815,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,053
−HK$9,079/mo
▼ 0.25% · 3.875%
HK$172,560
−HK$4,572/mo
Today · 4.125%
HK$177,132
baseline
▲ 0.50% · 4.625%
HK$186,469
+HK$9,337/mo
Deposit HK$33.12M · loan HK$33.12M · min. income ≈ HK$354,264/mo (50% DSR)
Upfront cash ≈ HK$35.94M (deposit + AVD stamp duty HK$2,815,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,272
−HK$11,367/mo
▼ 0.25% · 3.875%
HK$186,911
−HK$5,728/mo
Today · 4.125%
HK$192,639
baseline
▲ 0.50% · 4.625%
HK$204,361
+HK$11,722/mo
Deposit HK$26.50M · loan HK$39.75M · min. income ≈ HK$385,278/mo (50% DSR)
Upfront cash ≈ HK$29.31M (deposit + AVD stamp duty HK$2,815,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,663
−HK$10,895/mo
▼ 0.25% · 3.875%
HK$207,072
−HK$5,486/mo
Today · 4.125%
HK$212,558
baseline
▲ 0.50% · 4.625%
HK$223,763
+HK$11,205/mo
Deposit HK$26.50M · loan HK$39.75M · min. income ≈ HK$425,116/mo (50% DSR)
Upfront cash ≈ HK$29.31M (deposit + AVD stamp duty HK$2,815,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,484
−HK$13,262/mo
▼ 0.25% · 3.875%
HK$218,062
−HK$6,684/mo
Today · 4.125%
HK$224,746
baseline
▲ 0.50% · 4.625%
HK$238,421
+HK$13,675/mo
Deposit HK$19.87M · loan HK$46.37M · min. income ≈ HK$449,492/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,815,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,274
−HK$12,711/mo
▼ 0.25% · 3.875%
HK$241,584
−HK$6,401/mo
Today · 4.125%
HK$247,985
baseline
▲ 0.50% · 4.625%
HK$261,057
+HK$13,072/mo
Deposit HK$19.87M · loan HK$46.37M · min. income ≈ HK$495,970/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$2,815,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,908
−HK$17,051/mo
▼ 0.25% · 3.875%
HK$280,366
−HK$8,593/mo
Today · 4.125%
HK$288,959
baseline
▲ 0.50% · 4.625%
HK$306,541
+HK$17,582/mo
Deposit HK$6.62M · loan HK$59.62M · min. income ≈ HK$577,918/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$2,815,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,495
−HK$16,343/mo
▼ 0.25% · 3.875%
HK$310,608
−HK$8,230/mo
Today · 4.125%
HK$318,838
baseline
▲ 0.50% · 4.625%
HK$335,644
+HK$16,806/mo
Deposit HK$6.62M · loan HK$59.62M · min. income ≈ HK$637,676/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$2,815,495 · Scale 2, in force from 26 Feb 2026)