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$149,154
−HK$9,353/mo
▼ 0.25% · 3.875%
HK$153,793
−HK$4,714/mo
Today · 4.125%
HK$158,507
baseline
▲ 0.50% · 4.625%
HK$168,152
+HK$9,645/mo
Deposit HK$32.71M · loan HK$32.71M · min. income ≈ HK$317,014/mo (50% DSR)
Upfront cash ≈ HK$35.49M (deposit + AVD stamp duty HK$2,779,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,932
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$170,382
−HK$4,515/mo
Today · 4.125%
HK$174,897
baseline
▲ 0.50% · 4.625%
HK$184,116
+HK$9,219/mo
Deposit HK$32.71M · loan HK$32.71M · min. income ≈ HK$349,794/mo (50% DSR)
Upfront cash ≈ HK$35.49M (deposit + AVD stamp duty HK$2,779,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,985
−HK$11,224/mo
▼ 0.25% · 3.875%
HK$184,552
−HK$5,657/mo
Today · 4.125%
HK$190,209
baseline
▲ 0.50% · 4.625%
HK$201,782
+HK$11,573/mo
Deposit HK$26.16M · loan HK$39.25M · min. income ≈ HK$380,418/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,779,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,119
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$204,459
−HK$5,417/mo
Today · 4.125%
HK$209,876
baseline
▲ 0.50% · 4.625%
HK$220,939
+HK$11,063/mo
Deposit HK$26.16M · loan HK$39.25M · min. income ≈ HK$419,752/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,779,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,816
−HK$13,094/mo
▼ 0.25% · 3.875%
HK$215,311
−HK$6,599/mo
Today · 4.125%
HK$221,910
baseline
▲ 0.50% · 4.625%
HK$235,413
+HK$13,503/mo
Deposit HK$19.62M · loan HK$45.79M · min. income ≈ HK$443,820/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,779,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,305
−HK$12,551/mo
▼ 0.25% · 3.875%
HK$238,535
−HK$6,321/mo
Today · 4.125%
HK$244,856
baseline
▲ 0.50% · 4.625%
HK$257,763
+HK$12,907/mo
Deposit HK$19.62M · loan HK$45.79M · min. income ≈ HK$489,712/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$2,779,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,477
−HK$16,836/mo
▼ 0.25% · 3.875%
HK$276,828
−HK$8,485/mo
Today · 4.125%
HK$285,313
baseline
▲ 0.50% · 4.625%
HK$302,674
+HK$17,361/mo
Deposit HK$6.54M · loan HK$58.87M · min. income ≈ HK$570,626/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$2,779,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,678
−HK$16,137/mo
▼ 0.25% · 3.875%
HK$306,688
−HK$8,127/mo
Today · 4.125%
HK$314,815
baseline
▲ 0.50% · 4.625%
HK$331,409
+HK$16,594/mo
Deposit HK$6.54M · loan HK$58.87M · min. income ≈ HK$629,630/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$2,779,970 · Scale 2, in force from 26 Feb 2026)