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$154,558
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,366
−HK$4,884/mo
Today · 4.125%
HK$164,250
baseline
▲ 0.50% · 4.625%
HK$174,245
+HK$9,995/mo
Deposit HK$33.89M · loan HK$33.89M · min. income ≈ HK$328,500/mo (50% DSR)
Upfront cash ≈ HK$36.77M (deposit + AVD stamp duty HK$2,880,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,945
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$176,556
−HK$4,678/mo
Today · 4.125%
HK$181,234
baseline
▲ 0.50% · 4.625%
HK$190,787
+HK$9,553/mo
Deposit HK$33.89M · loan HK$33.89M · min. income ≈ HK$362,468/mo (50% DSR)
Upfront cash ≈ HK$36.77M (deposit + AVD stamp duty HK$2,880,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,470
−HK$11,631/mo
▼ 0.25% · 3.875%
HK$191,239
−HK$5,862/mo
Today · 4.125%
HK$197,101
baseline
▲ 0.50% · 4.625%
HK$209,094
+HK$11,993/mo
Deposit HK$27.11M · loan HK$40.67M · min. income ≈ HK$394,202/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$2,880,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,333
−HK$11,148/mo
▼ 0.25% · 3.875%
HK$211,867
−HK$5,614/mo
Today · 4.125%
HK$217,481
baseline
▲ 0.50% · 4.625%
HK$228,945
+HK$11,464/mo
Deposit HK$27.11M · loan HK$40.67M · min. income ≈ HK$434,962/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$2,880,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,382
−HK$13,569/mo
▼ 0.25% · 3.875%
HK$223,112
−HK$6,839/mo
Today · 4.125%
HK$229,951
baseline
▲ 0.50% · 4.625%
HK$243,943
+HK$13,992/mo
Deposit HK$20.33M · loan HK$47.45M · min. income ≈ HK$459,902/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,880,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,722
−HK$13,006/mo
▼ 0.25% · 3.875%
HK$247,178
−HK$6,550/mo
Today · 4.125%
HK$253,728
baseline
▲ 0.50% · 4.625%
HK$267,102
+HK$13,374/mo
Deposit HK$20.33M · loan HK$47.45M · min. income ≈ HK$507,456/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,880,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,205
−HK$17,446/mo
▼ 0.25% · 3.875%
HK$286,859
−HK$8,792/mo
Today · 4.125%
HK$295,651
baseline
▲ 0.50% · 4.625%
HK$313,641
+HK$17,990/mo
Deposit HK$6.78M · loan HK$61.00M · min. income ≈ HK$591,302/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$2,880,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,500
−HK$16,722/mo
▼ 0.25% · 3.875%
HK$317,801
−HK$8,421/mo
Today · 4.125%
HK$326,222
baseline
▲ 0.50% · 4.625%
HK$343,417
+HK$17,195/mo
Deposit HK$6.78M · loan HK$61.00M · min. income ≈ HK$652,444/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$2,880,697 · Scale 2, in force from 26 Feb 2026)