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$148,034
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$152,638
−HK$4,679/mo
Today · 4.125%
HK$157,317
baseline
▲ 0.50% · 4.625%
HK$166,889
+HK$9,572/mo
Deposit HK$32.46M · loan HK$32.46M · min. income ≈ HK$314,634/mo (50% DSR)
Upfront cash ≈ HK$35.22M (deposit + AVD stamp duty HK$2,759,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,686
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$169,103
−HK$4,480/mo
Today · 4.125%
HK$173,583
baseline
▲ 0.50% · 4.625%
HK$182,733
+HK$9,150/mo
Deposit HK$32.46M · loan HK$32.46M · min. income ≈ HK$347,166/mo (50% DSR)
Upfront cash ≈ HK$35.22M (deposit + AVD stamp duty HK$2,759,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,640
−HK$11,140/mo
▼ 0.25% · 3.875%
HK$183,166
−HK$5,614/mo
Today · 4.125%
HK$188,780
baseline
▲ 0.50% · 4.625%
HK$200,267
+HK$11,487/mo
Deposit HK$25.97M · loan HK$38.95M · min. income ≈ HK$377,560/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,759,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,623
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$202,923
−HK$5,377/mo
Today · 4.125%
HK$208,300
baseline
▲ 0.50% · 4.625%
HK$219,280
+HK$10,980/mo
Deposit HK$25.97M · loan HK$38.95M · min. income ≈ HK$416,600/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,759,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,247
−HK$12,996/mo
▼ 0.25% · 3.875%
HK$213,694
−HK$6,549/mo
Today · 4.125%
HK$220,243
baseline
▲ 0.50% · 4.625%
HK$233,645
+HK$13,402/mo
Deposit HK$19.48M · loan HK$45.44M · min. income ≈ HK$440,486/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,759,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,560
−HK$12,457/mo
▼ 0.25% · 3.875%
HK$236,744
−HK$6,273/mo
Today · 4.125%
HK$243,017
baseline
▲ 0.50% · 4.625%
HK$255,826
+HK$12,809/mo
Deposit HK$19.48M · loan HK$45.44M · min. income ≈ HK$486,034/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$2,759,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,461
−HK$16,709/mo
▼ 0.25% · 3.875%
HK$274,749
−HK$8,421/mo
Today · 4.125%
HK$283,170
baseline
▲ 0.50% · 4.625%
HK$300,400
+HK$17,230/mo
Deposit HK$6.49M · loan HK$58.43M · min. income ≈ HK$566,340/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$2,759,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$296,435
−HK$16,015/mo
▼ 0.25% · 3.875%
HK$304,385
−HK$8,065/mo
Today · 4.125%
HK$312,450
baseline
▲ 0.50% · 4.625%
HK$328,920
+HK$16,470/mo
Deposit HK$6.49M · loan HK$58.43M · min. income ≈ HK$624,900/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$2,759,089 · Scale 2, in force from 26 Feb 2026)