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$150,889
−HK$9,462/mo
▼ 0.25% · 3.875%
HK$155,582
−HK$4,769/mo
Today · 4.125%
HK$160,351
baseline
▲ 0.50% · 4.625%
HK$170,108
+HK$9,757/mo
Deposit HK$33.09M · loan HK$33.09M · min. income ≈ HK$320,702/mo (50% DSR)
Upfront cash ≈ HK$35.90M (deposit + AVD stamp duty HK$2,812,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,862
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$172,364
−HK$4,567/mo
Today · 4.125%
HK$176,931
baseline
▲ 0.50% · 4.625%
HK$186,258
+HK$9,327/mo
Deposit HK$33.09M · loan HK$33.09M · min. income ≈ HK$353,862/mo (50% DSR)
Upfront cash ≈ HK$35.90M (deposit + AVD stamp duty HK$2,812,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,067
−HK$11,354/mo
▼ 0.25% · 3.875%
HK$186,699
−HK$5,722/mo
Today · 4.125%
HK$192,421
baseline
▲ 0.50% · 4.625%
HK$204,130
+HK$11,709/mo
Deposit HK$26.47M · loan HK$39.70M · min. income ≈ HK$384,842/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$2,812,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,435
−HK$10,883/mo
▼ 0.25% · 3.875%
HK$206,837
−HK$5,481/mo
Today · 4.125%
HK$212,318
baseline
▲ 0.50% · 4.625%
HK$223,509
+HK$11,191/mo
Deposit HK$26.47M · loan HK$39.70M · min. income ≈ HK$424,636/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$2,812,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,244
−HK$13,247/mo
▼ 0.25% · 3.875%
HK$217,815
−HK$6,676/mo
Today · 4.125%
HK$224,491
baseline
▲ 0.50% · 4.625%
HK$238,151
+HK$13,660/mo
Deposit HK$19.85M · loan HK$46.32M · min. income ≈ HK$448,982/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$2,812,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,007
−HK$12,697/mo
▼ 0.25% · 3.875%
HK$241,310
−HK$6,394/mo
Today · 4.125%
HK$247,704
baseline
▲ 0.50% · 4.625%
HK$260,761
+HK$13,057/mo
Deposit HK$19.85M · loan HK$46.32M · min. income ≈ HK$495,408/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$2,812,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,600
−HK$17,032/mo
▼ 0.25% · 3.875%
HK$280,048
−HK$8,584/mo
Today · 4.125%
HK$288,632
baseline
▲ 0.50% · 4.625%
HK$306,194
+HK$17,562/mo
Deposit HK$6.62M · loan HK$59.55M · min. income ≈ HK$577,264/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,812,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,152
−HK$16,325/mo
▼ 0.25% · 3.875%
HK$310,256
−HK$8,221/mo
Today · 4.125%
HK$318,477
baseline
▲ 0.50% · 4.625%
HK$335,264
+HK$16,787/mo
Deposit HK$6.62M · loan HK$59.55M · min. income ≈ HK$636,954/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,812,306 · Scale 2, in force from 26 Feb 2026)