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$152,556
−HK$9,567/mo
▼ 0.25% · 3.875%
HK$157,301
−HK$4,822/mo
Today · 4.125%
HK$162,123
baseline
▲ 0.50% · 4.625%
HK$171,987
+HK$9,864/mo
Deposit HK$33.45M · loan HK$33.45M · min. income ≈ HK$324,246/mo (50% DSR)
Upfront cash ≈ HK$36.29M (deposit + AVD stamp duty HK$2,843,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,717
−HK$9,169/mo
▼ 0.25% · 3.875%
HK$174,269
−HK$4,617/mo
Today · 4.125%
HK$178,886
baseline
▲ 0.50% · 4.625%
HK$188,316
+HK$9,430/mo
Deposit HK$33.45M · loan HK$33.45M · min. income ≈ HK$357,772/mo (50% DSR)
Upfront cash ≈ HK$36.29M (deposit + AVD stamp duty HK$2,843,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,067
−HK$11,480/mo
▼ 0.25% · 3.875%
HK$188,762
−HK$5,785/mo
Today · 4.125%
HK$194,547
baseline
▲ 0.50% · 4.625%
HK$206,385
+HK$11,838/mo
Deposit HK$26.76M · loan HK$40.14M · min. income ≈ HK$389,094/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,843,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,660
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$209,123
−HK$5,541/mo
Today · 4.125%
HK$214,664
baseline
▲ 0.50% · 4.625%
HK$225,979
+HK$11,315/mo
Deposit HK$26.76M · loan HK$40.14M · min. income ≈ HK$429,328/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,843,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,578
−HK$13,394/mo
▼ 0.25% · 3.875%
HK$220,222
−HK$6,750/mo
Today · 4.125%
HK$226,972
baseline
▲ 0.50% · 4.625%
HK$240,782
+HK$13,810/mo
Deposit HK$20.07M · loan HK$46.83M · min. income ≈ HK$453,944/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,843,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,604
−HK$12,837/mo
▼ 0.25% · 3.875%
HK$243,976
−HK$6,465/mo
Today · 4.125%
HK$250,441
baseline
▲ 0.50% · 4.625%
HK$263,642
+HK$13,201/mo
Deposit HK$20.07M · loan HK$46.83M · min. income ≈ HK$500,882/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,843,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,601
−HK$17,220/mo
▼ 0.25% · 3.875%
HK$283,143
−HK$8,678/mo
Today · 4.125%
HK$291,821
baseline
▲ 0.50% · 4.625%
HK$309,577
+HK$17,756/mo
Deposit HK$6.69M · loan HK$60.21M · min. income ≈ HK$583,642/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,843,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,491
−HK$16,504/mo
▼ 0.25% · 3.875%
HK$313,684
−HK$8,311/mo
Today · 4.125%
HK$321,995
baseline
▲ 0.50% · 4.625%
HK$338,968
+HK$16,973/mo
Deposit HK$6.69M · loan HK$60.21M · min. income ≈ HK$643,990/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,843,379 · Scale 2, in force from 26 Feb 2026)