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$155,546
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$160,385
−HK$4,915/mo
Today · 4.125%
HK$165,300
baseline
▲ 0.50% · 4.625%
HK$175,359
+HK$10,059/mo
Deposit HK$34.11M · loan HK$34.11M · min. income ≈ HK$330,600/mo (50% DSR)
Upfront cash ≈ HK$37.01M (deposit + AVD stamp duty HK$2,899,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,044
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,685
−HK$4,708/mo
Today · 4.125%
HK$182,393
baseline
▲ 0.50% · 4.625%
HK$192,007
+HK$9,614/mo
Deposit HK$34.11M · loan HK$34.11M · min. income ≈ HK$364,786/mo (50% DSR)
Upfront cash ≈ HK$37.01M (deposit + AVD stamp duty HK$2,899,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,656
−HK$11,704/mo
▼ 0.25% · 3.875%
HK$192,462
−HK$5,898/mo
Today · 4.125%
HK$198,360
baseline
▲ 0.50% · 4.625%
HK$210,430
+HK$12,070/mo
Deposit HK$27.29M · loan HK$40.93M · min. income ≈ HK$396,720/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,899,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,652
−HK$11,219/mo
▼ 0.25% · 3.875%
HK$213,222
−HK$5,649/mo
Today · 4.125%
HK$218,871
baseline
▲ 0.50% · 4.625%
HK$230,408
+HK$11,537/mo
Deposit HK$27.29M · loan HK$40.93M · min. income ≈ HK$437,742/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,899,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,765
−HK$13,656/mo
▼ 0.25% · 3.875%
HK$224,539
−HK$6,882/mo
Today · 4.125%
HK$231,421
baseline
▲ 0.50% · 4.625%
HK$245,502
+HK$14,081/mo
Deposit HK$20.46M · loan HK$47.75M · min. income ≈ HK$462,842/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,899,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,261
−HK$13,089/mo
▼ 0.25% · 3.875%
HK$248,758
−HK$6,592/mo
Today · 4.125%
HK$255,350
baseline
▲ 0.50% · 4.625%
HK$268,810
+HK$13,460/mo
Deposit HK$20.46M · loan HK$47.75M · min. income ≈ HK$510,700/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,899,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,983
−HK$17,558/mo
▼ 0.25% · 3.875%
HK$288,692
−HK$8,849/mo
Today · 4.125%
HK$297,541
baseline
▲ 0.50% · 4.625%
HK$315,645
+HK$18,104/mo
Deposit HK$6.82M · loan HK$61.39M · min. income ≈ HK$595,082/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$2,899,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,479
−HK$16,828/mo
▼ 0.25% · 3.875%
HK$319,832
−HK$8,475/mo
Today · 4.125%
HK$328,307
baseline
▲ 0.50% · 4.625%
HK$345,612
+HK$17,305/mo
Deposit HK$6.82M · loan HK$61.39M · min. income ≈ HK$656,614/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$2,899,111 · Scale 2, in force from 26 Feb 2026)