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$157,410
−HK$9,871/mo
▼ 0.25% · 3.875%
HK$162,306
−HK$4,975/mo
Today · 4.125%
HK$167,281
baseline
▲ 0.50% · 4.625%
HK$177,459
+HK$10,178/mo
Deposit HK$34.52M · loan HK$34.52M · min. income ≈ HK$334,562/mo (50% DSR)
Upfront cash ≈ HK$37.45M (deposit + AVD stamp duty HK$2,933,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,117
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$179,813
−HK$4,765/mo
Today · 4.125%
HK$184,578
baseline
▲ 0.50% · 4.625%
HK$194,307
+HK$9,729/mo
Deposit HK$34.52M · loan HK$34.52M · min. income ≈ HK$369,156/mo (50% DSR)
Upfront cash ≈ HK$37.45M (deposit + AVD stamp duty HK$2,933,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,892
−HK$11,845/mo
▼ 0.25% · 3.875%
HK$194,767
−HK$5,970/mo
Today · 4.125%
HK$200,737
baseline
▲ 0.50% · 4.625%
HK$212,951
+HK$12,214/mo
Deposit HK$27.61M · loan HK$41.42M · min. income ≈ HK$401,474/mo (50% DSR)
Upfront cash ≈ HK$30.55M (deposit + AVD stamp duty HK$2,933,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,140
−HK$11,353/mo
▼ 0.25% · 3.875%
HK$215,776
−HK$5,717/mo
Today · 4.125%
HK$221,493
baseline
▲ 0.50% · 4.625%
HK$233,168
+HK$11,675/mo
Deposit HK$27.61M · loan HK$41.42M · min. income ≈ HK$442,986/mo (50% DSR)
Upfront cash ≈ HK$30.55M (deposit + AVD stamp duty HK$2,933,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,374
−HK$13,819/mo
▼ 0.25% · 3.875%
HK$227,228
−HK$6,965/mo
Today · 4.125%
HK$234,193
baseline
▲ 0.50% · 4.625%
HK$248,443
+HK$14,250/mo
Deposit HK$20.71M · loan HK$48.32M · min. income ≈ HK$468,386/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,933,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,163
−HK$13,246/mo
▼ 0.25% · 3.875%
HK$251,738
−HK$6,671/mo
Today · 4.125%
HK$258,409
baseline
▲ 0.50% · 4.625%
HK$272,030
+HK$13,621/mo
Deposit HK$20.71M · loan HK$48.32M · min. income ≈ HK$516,818/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,933,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,337
−HK$17,768/mo
▼ 0.25% · 3.875%
HK$292,151
−HK$8,954/mo
Today · 4.125%
HK$301,105
baseline
▲ 0.50% · 4.625%
HK$319,427
+HK$18,322/mo
Deposit HK$6.90M · loan HK$62.13M · min. income ≈ HK$602,210/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$2,933,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,210
−HK$17,030/mo
▼ 0.25% · 3.875%
HK$323,664
−HK$8,576/mo
Today · 4.125%
HK$332,240
baseline
▲ 0.50% · 4.625%
HK$349,753
+HK$17,513/mo
Deposit HK$6.90M · loan HK$62.13M · min. income ≈ HK$664,480/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$2,933,841 · Scale 2, in force from 26 Feb 2026)