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$150,186
−HK$9,418/mo
▼ 0.25% · 3.875%
HK$154,857
−HK$4,747/mo
Today · 4.125%
HK$159,604
baseline
▲ 0.50% · 4.625%
HK$169,315
+HK$9,711/mo
Deposit HK$32.93M · loan HK$32.93M · min. income ≈ HK$319,208/mo (50% DSR)
Upfront cash ≈ HK$35.73M (deposit + AVD stamp duty HK$2,799,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,080
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$171,561
−HK$4,546/mo
Today · 4.125%
HK$176,107
baseline
▲ 0.50% · 4.625%
HK$185,390
+HK$9,283/mo
Deposit HK$32.93M · loan HK$32.93M · min. income ≈ HK$352,214/mo (50% DSR)
Upfront cash ≈ HK$35.73M (deposit + AVD stamp duty HK$2,799,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,223
−HK$11,302/mo
▼ 0.25% · 3.875%
HK$185,829
−HK$5,696/mo
Today · 4.125%
HK$191,525
baseline
▲ 0.50% · 4.625%
HK$203,178
+HK$11,653/mo
Deposit HK$26.35M · loan HK$39.52M · min. income ≈ HK$383,050/mo (50% DSR)
Upfront cash ≈ HK$29.14M (deposit + AVD stamp duty HK$2,799,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,496
−HK$10,832/mo
▼ 0.25% · 3.875%
HK$205,873
−HK$5,455/mo
Today · 4.125%
HK$211,328
baseline
▲ 0.50% · 4.625%
HK$222,468
+HK$11,140/mo
Deposit HK$26.35M · loan HK$39.52M · min. income ≈ HK$422,656/mo (50% DSR)
Upfront cash ≈ HK$29.14M (deposit + AVD stamp duty HK$2,799,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,260
−HK$13,185/mo
▼ 0.25% · 3.875%
HK$216,800
−HK$6,645/mo
Today · 4.125%
HK$223,445
baseline
▲ 0.50% · 4.625%
HK$237,041
+HK$13,596/mo
Deposit HK$19.76M · loan HK$46.10M · min. income ≈ HK$446,890/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$2,799,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,912
−HK$12,638/mo
▼ 0.25% · 3.875%
HK$240,186
−HK$6,364/mo
Today · 4.125%
HK$246,550
baseline
▲ 0.50% · 4.625%
HK$259,546
+HK$12,996/mo
Deposit HK$19.76M · loan HK$46.10M · min. income ≈ HK$493,100/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$2,799,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,335
−HK$16,952/mo
▼ 0.25% · 3.875%
HK$278,743
−HK$8,544/mo
Today · 4.125%
HK$287,287
baseline
▲ 0.50% · 4.625%
HK$304,768
+HK$17,481/mo
Deposit HK$6.59M · loan HK$59.28M · min. income ≈ HK$574,574/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,799,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,744
−HK$16,249/mo
▼ 0.25% · 3.875%
HK$308,810
−HK$8,183/mo
Today · 4.125%
HK$316,993
baseline
▲ 0.50% · 4.625%
HK$333,702
+HK$16,709/mo
Deposit HK$6.59M · loan HK$59.28M · min. income ≈ HK$633,986/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,799,202 · Scale 2, in force from 26 Feb 2026)