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$154,744
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$159,557
−HK$4,890/mo
Today · 4.125%
HK$164,447
baseline
▲ 0.50% · 4.625%
HK$174,454
+HK$10,007/mo
Deposit HK$33.93M · loan HK$33.93M · min. income ≈ HK$328,894/mo (50% DSR)
Upfront cash ≈ HK$36.82M (deposit + AVD stamp duty HK$2,884,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,151
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$176,768
−HK$4,683/mo
Today · 4.125%
HK$181,451
baseline
▲ 0.50% · 4.625%
HK$191,016
+HK$9,565/mo
Deposit HK$33.93M · loan HK$33.93M · min. income ≈ HK$362,902/mo (50% DSR)
Upfront cash ≈ HK$36.82M (deposit + AVD stamp duty HK$2,884,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,692
−HK$11,645/mo
▼ 0.25% · 3.875%
HK$191,468
−HK$5,869/mo
Today · 4.125%
HK$197,337
baseline
▲ 0.50% · 4.625%
HK$209,344
+HK$12,007/mo
Deposit HK$27.14M · loan HK$40.72M · min. income ≈ HK$394,674/mo (50% DSR)
Upfront cash ≈ HK$30.03M (deposit + AVD stamp duty HK$2,884,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,581
−HK$11,161/mo
▼ 0.25% · 3.875%
HK$212,121
−HK$5,621/mo
Today · 4.125%
HK$217,742
baseline
▲ 0.50% · 4.625%
HK$229,219
+HK$11,477/mo
Deposit HK$27.14M · loan HK$40.72M · min. income ≈ HK$435,484/mo (50% DSR)
Upfront cash ≈ HK$30.03M (deposit + AVD stamp duty HK$2,884,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,641
−HK$13,585/mo
▼ 0.25% · 3.875%
HK$223,380
−HK$6,846/mo
Today · 4.125%
HK$230,226
baseline
▲ 0.50% · 4.625%
HK$244,235
+HK$14,009/mo
Deposit HK$20.36M · loan HK$47.50M · min. income ≈ HK$460,452/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,884,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,011
−HK$13,021/mo
▼ 0.25% · 3.875%
HK$247,475
−HK$6,557/mo
Today · 4.125%
HK$254,032
baseline
▲ 0.50% · 4.625%
HK$267,422
+HK$13,390/mo
Deposit HK$20.36M · loan HK$47.50M · min. income ≈ HK$508,064/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,884,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$278,538
−HK$17,467/mo
▼ 0.25% · 3.875%
HK$287,203
−HK$8,802/mo
Today · 4.125%
HK$296,005
baseline
▲ 0.50% · 4.625%
HK$314,017
+HK$18,012/mo
Deposit HK$6.79M · loan HK$61.08M · min. income ≈ HK$592,010/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,884,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$309,871
−HK$16,742/mo
▼ 0.25% · 3.875%
HK$318,182
−HK$8,431/mo
Today · 4.125%
HK$326,613
baseline
▲ 0.50% · 4.625%
HK$343,829
+HK$17,216/mo
Deposit HK$6.79M · loan HK$61.08M · min. income ≈ HK$653,226/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$2,884,151 · Scale 2, in force from 26 Feb 2026)