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$155,691
−HK$9,763/mo
▼ 0.25% · 3.875%
HK$160,534
−HK$4,920/mo
Today · 4.125%
HK$165,454
baseline
▲ 0.50% · 4.625%
HK$175,521
+HK$10,067/mo
Deposit HK$34.14M · loan HK$34.14M · min. income ≈ HK$330,908/mo (50% DSR)
Upfront cash ≈ HK$37.04M (deposit + AVD stamp duty HK$2,901,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,204
−HK$9,358/mo
▼ 0.25% · 3.875%
HK$177,850
−HK$4,712/mo
Today · 4.125%
HK$182,562
baseline
▲ 0.50% · 4.625%
HK$192,185
+HK$9,623/mo
Deposit HK$34.14M · loan HK$34.14M · min. income ≈ HK$365,124/mo (50% DSR)
Upfront cash ≈ HK$37.04M (deposit + AVD stamp duty HK$2,901,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,829
−HK$11,716/mo
▼ 0.25% · 3.875%
HK$192,640
−HK$5,905/mo
Today · 4.125%
HK$198,545
baseline
▲ 0.50% · 4.625%
HK$210,626
+HK$12,081/mo
Deposit HK$27.31M · loan HK$40.97M · min. income ≈ HK$397,090/mo (50% DSR)
Upfront cash ≈ HK$30.21M (deposit + AVD stamp duty HK$2,901,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,845
−HK$11,229/mo
▼ 0.25% · 3.875%
HK$213,419
−HK$5,655/mo
Today · 4.125%
HK$219,074
baseline
▲ 0.50% · 4.625%
HK$230,622
+HK$11,548/mo
Deposit HK$27.31M · loan HK$40.97M · min. income ≈ HK$438,148/mo (50% DSR)
Upfront cash ≈ HK$30.21M (deposit + AVD stamp duty HK$2,901,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,967
−HK$13,668/mo
▼ 0.25% · 3.875%
HK$224,747
−HK$6,888/mo
Today · 4.125%
HK$231,635
baseline
▲ 0.50% · 4.625%
HK$245,730
+HK$14,095/mo
Deposit HK$20.48M · loan HK$47.79M · min. income ≈ HK$463,270/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,901,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,486
−HK$13,101/mo
▼ 0.25% · 3.875%
HK$248,989
−HK$6,598/mo
Today · 4.125%
HK$255,587
baseline
▲ 0.50% · 4.625%
HK$269,059
+HK$13,472/mo
Deposit HK$20.48M · loan HK$47.79M · min. income ≈ HK$511,174/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,901,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,243
−HK$17,574/mo
▼ 0.25% · 3.875%
HK$288,960
−HK$8,857/mo
Today · 4.125%
HK$297,817
baseline
▲ 0.50% · 4.625%
HK$315,938
+HK$18,121/mo
Deposit HK$6.83M · loan HK$61.45M · min. income ≈ HK$595,634/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,901,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,768
−HK$16,844/mo
▼ 0.25% · 3.875%
HK$320,129
−HK$8,483/mo
Today · 4.125%
HK$328,612
baseline
▲ 0.50% · 4.625%
HK$345,933
+HK$17,321/mo
Deposit HK$6.83M · loan HK$61.45M · min. income ≈ HK$657,224/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$2,901,802 · Scale 2, in force from 26 Feb 2026)