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$155,551
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$160,390
−HK$4,916/mo
Today · 4.125%
HK$165,306
baseline
▲ 0.50% · 4.625%
HK$175,364
+HK$10,058/mo
Deposit HK$34.11M · loan HK$34.11M · min. income ≈ HK$330,612/mo (50% DSR)
Upfront cash ≈ HK$37.01M (deposit + AVD stamp duty HK$2,899,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,049
−HK$9,350/mo
▼ 0.25% · 3.875%
HK$177,691
−HK$4,708/mo
Today · 4.125%
HK$182,399
baseline
▲ 0.50% · 4.625%
HK$192,013
+HK$9,614/mo
Deposit HK$34.11M · loan HK$34.11M · min. income ≈ HK$364,798/mo (50% DSR)
Upfront cash ≈ HK$37.01M (deposit + AVD stamp duty HK$2,899,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,662
−HK$11,705/mo
▼ 0.25% · 3.875%
HK$192,468
−HK$5,899/mo
Today · 4.125%
HK$198,367
baseline
▲ 0.50% · 4.625%
HK$210,437
+HK$12,070/mo
Deposit HK$27.29M · loan HK$40.93M · min. income ≈ HK$396,734/mo (50% DSR)
Upfront cash ≈ HK$30.19M (deposit + AVD stamp duty HK$2,899,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,659
−HK$11,220/mo
▼ 0.25% · 3.875%
HK$213,229
−HK$5,650/mo
Today · 4.125%
HK$218,879
baseline
▲ 0.50% · 4.625%
HK$230,416
+HK$11,537/mo
Deposit HK$27.29M · loan HK$40.93M · min. income ≈ HK$437,758/mo (50% DSR)
Upfront cash ≈ HK$30.19M (deposit + AVD stamp duty HK$2,899,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,772
−HK$13,656/mo
▼ 0.25% · 3.875%
HK$224,546
−HK$6,882/mo
Today · 4.125%
HK$231,428
baseline
▲ 0.50% · 4.625%
HK$245,510
+HK$14,082/mo
Deposit HK$20.46M · loan HK$47.75M · min. income ≈ HK$462,856/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,899,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,269
−HK$13,089/mo
▼ 0.25% · 3.875%
HK$248,767
−HK$6,591/mo
Today · 4.125%
HK$255,358
baseline
▲ 0.50% · 4.625%
HK$268,819
+HK$13,461/mo
Deposit HK$20.46M · loan HK$47.75M · min. income ≈ HK$510,716/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,899,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,993
−HK$17,558/mo
▼ 0.25% · 3.875%
HK$288,702
−HK$8,849/mo
Today · 4.125%
HK$297,551
baseline
▲ 0.50% · 4.625%
HK$315,656
+HK$18,105/mo
Deposit HK$6.82M · loan HK$61.39M · min. income ≈ HK$595,102/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$2,899,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,489
−HK$16,829/mo
▼ 0.25% · 3.875%
HK$319,843
−HK$8,475/mo
Today · 4.125%
HK$328,318
baseline
▲ 0.50% · 4.625%
HK$345,624
+HK$17,306/mo
Deposit HK$6.82M · loan HK$61.39M · min. income ≈ HK$656,636/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$2,899,208 · Scale 2, in force from 26 Feb 2026)