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$151,757
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$156,478
−HK$4,796/mo
Today · 4.125%
HK$161,274
baseline
▲ 0.50% · 4.625%
HK$171,087
+HK$9,813/mo
Deposit HK$33.28M · loan HK$33.28M · min. income ≈ HK$322,548/mo (50% DSR)
Upfront cash ≈ HK$36.10M (deposit + AVD stamp duty HK$2,828,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,829
−HK$9,121/mo
▼ 0.25% · 3.875%
HK$173,356
−HK$4,594/mo
Today · 4.125%
HK$177,950
baseline
▲ 0.50% · 4.625%
HK$187,330
+HK$9,380/mo
Deposit HK$33.28M · loan HK$33.28M · min. income ≈ HK$355,900/mo (50% DSR)
Upfront cash ≈ HK$36.10M (deposit + AVD stamp duty HK$2,828,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,109
−HK$11,420/mo
▼ 0.25% · 3.875%
HK$187,773
−HK$5,756/mo
Today · 4.125%
HK$193,529
baseline
▲ 0.50% · 4.625%
HK$205,304
+HK$11,775/mo
Deposit HK$26.62M · loan HK$39.93M · min. income ≈ HK$387,058/mo (50% DSR)
Upfront cash ≈ HK$29.45M (deposit + AVD stamp duty HK$2,828,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,594
−HK$10,946/mo
▼ 0.25% · 3.875%
HK$208,028
−HK$5,512/mo
Today · 4.125%
HK$213,540
baseline
▲ 0.50% · 4.625%
HK$224,796
+HK$11,256/mo
Deposit HK$26.62M · loan HK$39.93M · min. income ≈ HK$427,080/mo (50% DSR)
Upfront cash ≈ HK$29.45M (deposit + AVD stamp duty HK$2,828,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,460
−HK$13,323/mo
▼ 0.25% · 3.875%
HK$219,069
−HK$6,714/mo
Today · 4.125%
HK$225,783
baseline
▲ 0.50% · 4.625%
HK$239,522
+HK$13,739/mo
Deposit HK$19.97M · loan HK$46.59M · min. income ≈ HK$451,566/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,828,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,360
−HK$12,770/mo
▼ 0.25% · 3.875%
HK$242,699
−HK$6,431/mo
Today · 4.125%
HK$249,130
baseline
▲ 0.50% · 4.625%
HK$262,262
+HK$13,132/mo
Deposit HK$19.97M · loan HK$46.59M · min. income ≈ HK$498,260/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,828,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,163
−HK$17,130/mo
▼ 0.25% · 3.875%
HK$281,660
−HK$8,633/mo
Today · 4.125%
HK$290,293
baseline
▲ 0.50% · 4.625%
HK$307,957
+HK$17,664/mo
Deposit HK$6.66M · loan HK$59.90M · min. income ≈ HK$580,586/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$2,828,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,891
−HK$16,419/mo
▼ 0.25% · 3.875%
HK$312,042
−HK$8,268/mo
Today · 4.125%
HK$320,310
baseline
▲ 0.50% · 4.625%
HK$337,194
+HK$16,884/mo
Deposit HK$6.66M · loan HK$59.90M · min. income ≈ HK$640,620/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$2,828,493 · Scale 2, in force from 26 Feb 2026)