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$150,201
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$154,873
−HK$4,747/mo
Today · 4.125%
HK$159,620
baseline
▲ 0.50% · 4.625%
HK$169,332
+HK$9,712/mo
Deposit HK$32.94M · loan HK$32.94M · min. income ≈ HK$319,240/mo (50% DSR)
Upfront cash ≈ HK$35.73M (deposit + AVD stamp duty HK$2,799,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,097
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$171,578
−HK$4,547/mo
Today · 4.125%
HK$176,125
baseline
▲ 0.50% · 4.625%
HK$185,408
+HK$9,283/mo
Deposit HK$32.94M · loan HK$32.94M · min. income ≈ HK$352,250/mo (50% DSR)
Upfront cash ≈ HK$35.73M (deposit + AVD stamp duty HK$2,799,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,241
−HK$11,303/mo
▼ 0.25% · 3.875%
HK$185,847
−HK$5,697/mo
Today · 4.125%
HK$191,544
baseline
▲ 0.50% · 4.625%
HK$203,199
+HK$11,655/mo
Deposit HK$26.35M · loan HK$39.52M · min. income ≈ HK$383,088/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,799,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,516
−HK$10,833/mo
▼ 0.25% · 3.875%
HK$205,894
−HK$5,455/mo
Today · 4.125%
HK$211,349
baseline
▲ 0.50% · 4.625%
HK$222,490
+HK$11,141/mo
Deposit HK$26.35M · loan HK$39.52M · min. income ≈ HK$422,698/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,799,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,281
−HK$13,187/mo
▼ 0.25% · 3.875%
HK$216,822
−HK$6,646/mo
Today · 4.125%
HK$223,468
baseline
▲ 0.50% · 4.625%
HK$237,065
+HK$13,597/mo
Deposit HK$19.76M · loan HK$46.11M · min. income ≈ HK$446,936/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$2,799,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,936
−HK$12,638/mo
▼ 0.25% · 3.875%
HK$240,210
−HK$6,364/mo
Today · 4.125%
HK$246,574
baseline
▲ 0.50% · 4.625%
HK$259,572
+HK$12,998/mo
Deposit HK$19.76M · loan HK$46.11M · min. income ≈ HK$493,148/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$2,799,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,361
−HK$16,954/mo
▼ 0.25% · 3.875%
HK$278,771
−HK$8,544/mo
Today · 4.125%
HK$287,315
baseline
▲ 0.50% · 4.625%
HK$304,798
+HK$17,483/mo
Deposit HK$6.59M · loan HK$59.28M · min. income ≈ HK$574,630/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,799,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,774
−HK$16,250/mo
▼ 0.25% · 3.875%
HK$308,841
−HK$8,183/mo
Today · 4.125%
HK$317,024
baseline
▲ 0.50% · 4.625%
HK$333,735
+HK$16,711/mo
Deposit HK$6.59M · loan HK$59.28M · min. income ≈ HK$634,048/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$2,799,481 · Scale 2, in force from 26 Feb 2026)