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$156,136
−HK$9,791/mo
▼ 0.25% · 3.875%
HK$160,993
−HK$4,934/mo
Today · 4.125%
HK$165,927
baseline
▲ 0.50% · 4.625%
HK$176,023
+HK$10,096/mo
Deposit HK$34.24M · loan HK$34.24M · min. income ≈ HK$331,854/mo (50% DSR)
Upfront cash ≈ HK$37.15M (deposit + AVD stamp duty HK$2,910,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,700
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$178,358
−HK$4,726/mo
Today · 4.125%
HK$183,084
baseline
▲ 0.50% · 4.625%
HK$192,735
+HK$9,651/mo
Deposit HK$34.24M · loan HK$34.24M · min. income ≈ HK$366,168/mo (50% DSR)
Upfront cash ≈ HK$37.15M (deposit + AVD stamp duty HK$2,910,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,363
−HK$11,750/mo
▼ 0.25% · 3.875%
HK$193,191
−HK$5,922/mo
Today · 4.125%
HK$199,113
baseline
▲ 0.50% · 4.625%
HK$211,228
+HK$12,115/mo
Deposit HK$27.39M · loan HK$41.08M · min. income ≈ HK$398,226/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$2,910,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,440
−HK$11,261/mo
▼ 0.25% · 3.875%
HK$214,030
−HK$5,671/mo
Today · 4.125%
HK$219,701
baseline
▲ 0.50% · 4.625%
HK$231,282
+HK$11,581/mo
Deposit HK$27.39M · loan HK$41.08M · min. income ≈ HK$439,402/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$2,910,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,590
−HK$13,708/mo
▼ 0.25% · 3.875%
HK$225,390
−HK$6,908/mo
Today · 4.125%
HK$232,298
baseline
▲ 0.50% · 4.625%
HK$246,433
+HK$14,135/mo
Deposit HK$20.54M · loan HK$47.93M · min. income ≈ HK$464,596/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$2,910,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,180
−HK$13,138/mo
▼ 0.25% · 3.875%
HK$249,702
−HK$6,616/mo
Today · 4.125%
HK$256,318
baseline
▲ 0.50% · 4.625%
HK$269,829
+HK$13,511/mo
Deposit HK$20.54M · loan HK$47.93M · min. income ≈ HK$512,636/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$2,910,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,045
−HK$17,624/mo
▼ 0.25% · 3.875%
HK$289,787
−HK$8,882/mo
Today · 4.125%
HK$298,669
baseline
▲ 0.50% · 4.625%
HK$316,842
+HK$18,173/mo
Deposit HK$6.85M · loan HK$61.63M · min. income ≈ HK$597,338/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,910,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,660
−HK$16,892/mo
▼ 0.25% · 3.875%
HK$321,045
−HK$8,507/mo
Today · 4.125%
HK$329,552
baseline
▲ 0.50% · 4.625%
HK$346,923
+HK$17,371/mo
Deposit HK$6.85M · loan HK$61.63M · min. income ≈ HK$659,104/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,910,103 · Scale 2, in force from 26 Feb 2026)