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$148,697
−HK$9,325/mo
▼ 0.25% · 3.875%
HK$153,323
−HK$4,699/mo
Today · 4.125%
HK$158,022
baseline
▲ 0.50% · 4.625%
HK$167,637
+HK$9,615/mo
Deposit HK$32.61M · loan HK$32.61M · min. income ≈ HK$316,044/mo (50% DSR)
Upfront cash ≈ HK$35.38M (deposit + AVD stamp duty HK$2,771,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,424
−HK$8,938/mo
▼ 0.25% · 3.875%
HK$169,861
−HK$4,501/mo
Today · 4.125%
HK$174,362
baseline
▲ 0.50% · 4.625%
HK$183,552
+HK$9,190/mo
Deposit HK$32.61M · loan HK$32.61M · min. income ≈ HK$348,724/mo (50% DSR)
Upfront cash ≈ HK$35.38M (deposit + AVD stamp duty HK$2,771,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,437
−HK$11,189/mo
▼ 0.25% · 3.875%
HK$183,987
−HK$5,639/mo
Today · 4.125%
HK$189,626
baseline
▲ 0.50% · 4.625%
HK$201,165
+HK$11,539/mo
Deposit HK$26.08M · loan HK$39.13M · min. income ≈ HK$379,252/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,771,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,509
−HK$10,725/mo
▼ 0.25% · 3.875%
HK$203,833
−HK$5,401/mo
Today · 4.125%
HK$209,234
baseline
▲ 0.50% · 4.625%
HK$220,263
+HK$11,029/mo
Deposit HK$26.08M · loan HK$39.13M · min. income ≈ HK$418,468/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,771,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,176
−HK$13,055/mo
▼ 0.25% · 3.875%
HK$214,652
−HK$6,579/mo
Today · 4.125%
HK$221,231
baseline
▲ 0.50% · 4.625%
HK$234,692
+HK$13,461/mo
Deposit HK$19.56M · loan HK$45.65M · min. income ≈ HK$442,462/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$2,771,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,594
−HK$12,512/mo
▼ 0.25% · 3.875%
HK$237,805
−HK$6,301/mo
Today · 4.125%
HK$244,106
baseline
▲ 0.50% · 4.625%
HK$256,973
+HK$12,867/mo
Deposit HK$19.56M · loan HK$45.65M · min. income ≈ HK$488,212/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$2,771,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,655
−HK$16,784/mo
▼ 0.25% · 3.875%
HK$275,981
−HK$8,458/mo
Today · 4.125%
HK$284,439
baseline
▲ 0.50% · 4.625%
HK$301,747
+HK$17,308/mo
Deposit HK$6.52M · loan HK$58.69M · min. income ≈ HK$568,878/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$2,771,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$297,764
−HK$16,087/mo
▼ 0.25% · 3.875%
HK$305,749
−HK$8,102/mo
Today · 4.125%
HK$313,851
baseline
▲ 0.50% · 4.625%
HK$330,394
+HK$16,543/mo
Deposit HK$6.52M · loan HK$58.69M · min. income ≈ HK$627,702/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$2,771,457 · Scale 2, in force from 26 Feb 2026)