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$155,102
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$159,927
−HK$4,901/mo
Today · 4.125%
HK$164,828
baseline
▲ 0.50% · 4.625%
HK$174,858
+HK$10,030/mo
Deposit HK$34.01M · loan HK$34.01M · min. income ≈ HK$329,656/mo (50% DSR)
Upfront cash ≈ HK$36.90M (deposit + AVD stamp duty HK$2,890,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,550
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$177,177
−HK$4,695/mo
Today · 4.125%
HK$181,872
baseline
▲ 0.50% · 4.625%
HK$191,459
+HK$9,587/mo
Deposit HK$34.01M · loan HK$34.01M · min. income ≈ HK$363,744/mo (50% DSR)
Upfront cash ≈ HK$36.90M (deposit + AVD stamp duty HK$2,890,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,123
−HK$11,671/mo
▼ 0.25% · 3.875%
HK$191,912
−HK$5,882/mo
Today · 4.125%
HK$197,794
baseline
▲ 0.50% · 4.625%
HK$209,829
+HK$12,035/mo
Deposit HK$27.21M · loan HK$40.81M · min. income ≈ HK$395,588/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$2,890,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,060
−HK$11,186/mo
▼ 0.25% · 3.875%
HK$212,613
−HK$5,633/mo
Today · 4.125%
HK$218,246
baseline
▲ 0.50% · 4.625%
HK$229,750
+HK$11,504/mo
Deposit HK$27.21M · loan HK$40.81M · min. income ≈ HK$436,492/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$2,890,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,143
−HK$13,617/mo
▼ 0.25% · 3.875%
HK$223,897
−HK$6,863/mo
Today · 4.125%
HK$230,760
baseline
▲ 0.50% · 4.625%
HK$244,801
+HK$14,041/mo
Deposit HK$20.41M · loan HK$47.61M · min. income ≈ HK$461,520/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$2,890,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,569
−HK$13,052/mo
▼ 0.25% · 3.875%
HK$248,048
−HK$6,573/mo
Today · 4.125%
HK$254,621
baseline
▲ 0.50% · 4.625%
HK$268,042
+HK$13,421/mo
Deposit HK$20.41M · loan HK$47.61M · min. income ≈ HK$509,242/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$2,890,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,184
−HK$17,507/mo
▼ 0.25% · 3.875%
HK$287,868
−HK$8,823/mo
Today · 4.125%
HK$296,691
baseline
▲ 0.50% · 4.625%
HK$314,744
+HK$18,053/mo
Deposit HK$6.80M · loan HK$61.22M · min. income ≈ HK$593,382/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,890,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,589
−HK$16,781/mo
▼ 0.25% · 3.875%
HK$318,919
−HK$8,451/mo
Today · 4.125%
HK$327,370
baseline
▲ 0.50% · 4.625%
HK$344,626
+HK$17,256/mo
Deposit HK$6.80M · loan HK$61.22M · min. income ≈ HK$654,740/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,890,835 · Scale 2, in force from 26 Feb 2026)