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$149,943
−HK$9,403/mo
▼ 0.25% · 3.875%
HK$154,607
−HK$4,739/mo
Today · 4.125%
HK$159,346
baseline
▲ 0.50% · 4.625%
HK$169,042
+HK$9,696/mo
Deposit HK$32.88M · loan HK$32.88M · min. income ≈ HK$318,692/mo (50% DSR)
Upfront cash ≈ HK$35.67M (deposit + AVD stamp duty HK$2,794,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,810
−HK$9,013/mo
▼ 0.25% · 3.875%
HK$171,284
−HK$4,539/mo
Today · 4.125%
HK$175,823
baseline
▲ 0.50% · 4.625%
HK$185,090
+HK$9,267/mo
Deposit HK$32.88M · loan HK$32.88M · min. income ≈ HK$351,646/mo (50% DSR)
Upfront cash ≈ HK$35.67M (deposit + AVD stamp duty HK$2,794,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,932
−HK$11,283/mo
▼ 0.25% · 3.875%
HK$185,529
−HK$5,686/mo
Today · 4.125%
HK$191,215
baseline
▲ 0.50% · 4.625%
HK$202,850
+HK$11,635/mo
Deposit HK$26.30M · loan HK$39.45M · min. income ≈ HK$382,430/mo (50% DSR)
Upfront cash ≈ HK$29.10M (deposit + AVD stamp duty HK$2,794,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,172
−HK$10,815/mo
▼ 0.25% · 3.875%
HK$205,541
−HK$5,446/mo
Today · 4.125%
HK$210,987
baseline
▲ 0.50% · 4.625%
HK$222,108
+HK$11,121/mo
Deposit HK$26.30M · loan HK$39.45M · min. income ≈ HK$421,974/mo (50% DSR)
Upfront cash ≈ HK$29.10M (deposit + AVD stamp duty HK$2,794,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,920
−HK$13,164/mo
▼ 0.25% · 3.875%
HK$216,450
−HK$6,634/mo
Today · 4.125%
HK$223,084
baseline
▲ 0.50% · 4.625%
HK$236,658
+HK$13,574/mo
Deposit HK$19.73M · loan HK$46.03M · min. income ≈ HK$446,168/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,794,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,534
−HK$12,618/mo
▼ 0.25% · 3.875%
HK$239,798
−HK$6,354/mo
Today · 4.125%
HK$246,152
baseline
▲ 0.50% · 4.625%
HK$259,127
+HK$12,975/mo
Deposit HK$19.73M · loan HK$46.03M · min. income ≈ HK$492,304/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$2,794,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,898
−HK$16,925/mo
▼ 0.25% · 3.875%
HK$278,293
−HK$8,530/mo
Today · 4.125%
HK$286,823
baseline
▲ 0.50% · 4.625%
HK$304,275
+HK$17,452/mo
Deposit HK$6.58M · loan HK$59.18M · min. income ≈ HK$573,646/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$2,794,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,259
−HK$16,222/mo
▼ 0.25% · 3.875%
HK$308,311
−HK$8,170/mo
Today · 4.125%
HK$316,481
baseline
▲ 0.50% · 4.625%
HK$333,163
+HK$16,682/mo
Deposit HK$6.58M · loan HK$59.18M · min. income ≈ HK$632,962/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$2,794,680 · Scale 2, in force from 26 Feb 2026)