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$155,663
−HK$9,761/mo
▼ 0.25% · 3.875%
HK$160,505
−HK$4,919/mo
Today · 4.125%
HK$165,424
baseline
▲ 0.50% · 4.625%
HK$175,490
+HK$10,066/mo
Deposit HK$34.13M · loan HK$34.13M · min. income ≈ HK$330,848/mo (50% DSR)
Upfront cash ≈ HK$37.03M (deposit + AVD stamp duty HK$2,901,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,173
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$177,818
−HK$4,711/mo
Today · 4.125%
HK$182,529
baseline
▲ 0.50% · 4.625%
HK$192,151
+HK$9,622/mo
Deposit HK$34.13M · loan HK$34.13M · min. income ≈ HK$365,058/mo (50% DSR)
Upfront cash ≈ HK$37.03M (deposit + AVD stamp duty HK$2,901,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,795
−HK$11,714/mo
▼ 0.25% · 3.875%
HK$192,606
−HK$5,903/mo
Today · 4.125%
HK$198,509
baseline
▲ 0.50% · 4.625%
HK$210,588
+HK$12,079/mo
Deposit HK$27.31M · loan HK$40.96M · min. income ≈ HK$397,018/mo (50% DSR)
Upfront cash ≈ HK$30.21M (deposit + AVD stamp duty HK$2,901,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,808
−HK$11,227/mo
▼ 0.25% · 3.875%
HK$213,381
−HK$5,654/mo
Today · 4.125%
HK$219,035
baseline
▲ 0.50% · 4.625%
HK$230,581
+HK$11,546/mo
Deposit HK$27.31M · loan HK$40.96M · min. income ≈ HK$438,070/mo (50% DSR)
Upfront cash ≈ HK$30.21M (deposit + AVD stamp duty HK$2,901,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,928
−HK$13,666/mo
▼ 0.25% · 3.875%
HK$224,707
−HK$6,887/mo
Today · 4.125%
HK$231,594
baseline
▲ 0.50% · 4.625%
HK$245,686
+HK$14,092/mo
Deposit HK$20.48M · loan HK$47.79M · min. income ≈ HK$463,188/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,901,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,443
−HK$13,098/mo
▼ 0.25% · 3.875%
HK$248,945
−HK$6,596/mo
Today · 4.125%
HK$255,541
baseline
▲ 0.50% · 4.625%
HK$269,011
+HK$13,470/mo
Deposit HK$20.48M · loan HK$47.79M · min. income ≈ HK$511,082/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$2,901,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,193
−HK$17,571/mo
▼ 0.25% · 3.875%
HK$288,909
−HK$8,855/mo
Today · 4.125%
HK$297,764
baseline
▲ 0.50% · 4.625%
HK$315,882
+HK$18,118/mo
Deposit HK$6.83M · loan HK$61.44M · min. income ≈ HK$595,528/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,901,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,712
−HK$16,841/mo
▼ 0.25% · 3.875%
HK$320,072
−HK$8,481/mo
Today · 4.125%
HK$328,553
baseline
▲ 0.50% · 4.625%
HK$345,871
+HK$17,318/mo
Deposit HK$6.83M · loan HK$61.44M · min. income ≈ HK$657,106/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,901,283 · Scale 2, in force from 26 Feb 2026)