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$152,760
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$157,512
−HK$4,827/mo
Today · 4.125%
HK$162,339
baseline
▲ 0.50% · 4.625%
HK$172,217
+HK$9,878/mo
Deposit HK$33.50M · loan HK$33.50M · min. income ≈ HK$324,678/mo (50% DSR)
Upfront cash ≈ HK$36.34M (deposit + AVD stamp duty HK$2,847,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,944
−HK$9,182/mo
▼ 0.25% · 3.875%
HK$174,502
−HK$4,624/mo
Today · 4.125%
HK$179,126
baseline
▲ 0.50% · 4.625%
HK$188,567
+HK$9,441/mo
Deposit HK$33.50M · loan HK$33.50M · min. income ≈ HK$358,252/mo (50% DSR)
Upfront cash ≈ HK$36.34M (deposit + AVD stamp duty HK$2,847,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,312
−HK$11,495/mo
▼ 0.25% · 3.875%
HK$189,014
−HK$5,793/mo
Today · 4.125%
HK$194,807
baseline
▲ 0.50% · 4.625%
HK$206,661
+HK$11,854/mo
Deposit HK$26.80M · loan HK$40.20M · min. income ≈ HK$389,614/mo (50% DSR)
Upfront cash ≈ HK$29.64M (deposit + AVD stamp duty HK$2,847,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,933
−HK$11,018/mo
▼ 0.25% · 3.875%
HK$209,402
−HK$5,549/mo
Today · 4.125%
HK$214,951
baseline
▲ 0.50% · 4.625%
HK$226,281
+HK$11,330/mo
Deposit HK$26.80M · loan HK$40.20M · min. income ≈ HK$429,902/mo (50% DSR)
Upfront cash ≈ HK$29.64M (deposit + AVD stamp duty HK$2,847,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,864
−HK$13,411/mo
▼ 0.25% · 3.875%
HK$220,516
−HK$6,759/mo
Today · 4.125%
HK$227,275
baseline
▲ 0.50% · 4.625%
HK$241,104
+HK$13,829/mo
Deposit HK$20.10M · loan HK$46.89M · min. income ≈ HK$454,550/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,847,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,922
−HK$12,854/mo
▼ 0.25% · 3.875%
HK$244,302
−HK$6,474/mo
Today · 4.125%
HK$250,776
baseline
▲ 0.50% · 4.625%
HK$263,994
+HK$13,218/mo
Deposit HK$20.10M · loan HK$46.89M · min. income ≈ HK$501,552/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$2,847,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,968
−HK$17,243/mo
▼ 0.25% · 3.875%
HK$283,521
−HK$8,690/mo
Today · 4.125%
HK$292,211
baseline
▲ 0.50% · 4.625%
HK$309,991
+HK$17,780/mo
Deposit HK$6.70M · loan HK$60.29M · min. income ≈ HK$584,422/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,847,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,899
−HK$16,527/mo
▼ 0.25% · 3.875%
HK$314,103
−HK$8,323/mo
Today · 4.125%
HK$322,426
baseline
▲ 0.50% · 4.625%
HK$339,421
+HK$16,995/mo
Deposit HK$6.70M · loan HK$60.29M · min. income ≈ HK$644,852/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$2,847,180 · Scale 2, in force from 26 Feb 2026)