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$148,137
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$152,745
−HK$4,682/mo
Today · 4.125%
HK$157,427
baseline
▲ 0.50% · 4.625%
HK$167,006
+HK$9,579/mo
Deposit HK$32.48M · loan HK$32.48M · min. income ≈ HK$314,854/mo (50% DSR)
Upfront cash ≈ HK$35.24M (deposit + AVD stamp duty HK$2,761,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,801
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$169,221
−HK$4,484/mo
Today · 4.125%
HK$173,705
baseline
▲ 0.50% · 4.625%
HK$182,861
+HK$9,156/mo
Deposit HK$32.48M · loan HK$32.48M · min. income ≈ HK$347,410/mo (50% DSR)
Upfront cash ≈ HK$35.24M (deposit + AVD stamp duty HK$2,761,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,765
−HK$11,147/mo
▼ 0.25% · 3.875%
HK$183,294
−HK$5,618/mo
Today · 4.125%
HK$188,912
baseline
▲ 0.50% · 4.625%
HK$200,407
+HK$11,495/mo
Deposit HK$25.99M · loan HK$38.98M · min. income ≈ HK$377,824/mo (50% DSR)
Upfront cash ≈ HK$28.75M (deposit + AVD stamp duty HK$2,761,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,762
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$203,065
−HK$5,381/mo
Today · 4.125%
HK$208,446
baseline
▲ 0.50% · 4.625%
HK$219,433
+HK$10,987/mo
Deposit HK$25.99M · loan HK$38.98M · min. income ≈ HK$416,892/mo (50% DSR)
Upfront cash ≈ HK$28.75M (deposit + AVD stamp duty HK$2,761,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,392
−HK$13,006/mo
▼ 0.25% · 3.875%
HK$213,843
−HK$6,555/mo
Today · 4.125%
HK$220,398
baseline
▲ 0.50% · 4.625%
HK$233,808
+HK$13,410/mo
Deposit HK$19.49M · loan HK$45.48M · min. income ≈ HK$440,796/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$2,761,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,722
−HK$12,465/mo
▼ 0.25% · 3.875%
HK$236,910
−HK$6,277/mo
Today · 4.125%
HK$243,187
baseline
▲ 0.50% · 4.625%
HK$256,006
+HK$12,819/mo
Deposit HK$19.49M · loan HK$45.48M · min. income ≈ HK$486,374/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$2,761,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,647
−HK$16,721/mo
▼ 0.25% · 3.875%
HK$274,941
−HK$8,427/mo
Today · 4.125%
HK$283,368
baseline
▲ 0.50% · 4.625%
HK$300,611
+HK$17,243/mo
Deposit HK$6.50M · loan HK$58.47M · min. income ≈ HK$566,736/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,761,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,642
−HK$16,027/mo
▼ 0.25% · 3.875%
HK$304,598
−HK$8,071/mo
Today · 4.125%
HK$312,669
baseline
▲ 0.50% · 4.625%
HK$329,150
+HK$16,481/mo
Deposit HK$6.50M · loan HK$58.47M · min. income ≈ HK$625,338/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$2,761,022 · Scale 2, in force from 26 Feb 2026)