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$155,422
−HK$9,747/mo
▼ 0.25% · 3.875%
HK$160,257
−HK$4,912/mo
Today · 4.125%
HK$165,169
baseline
▲ 0.50% · 4.625%
HK$175,219
+HK$10,050/mo
Deposit HK$34.08M · loan HK$34.08M · min. income ≈ HK$330,338/mo (50% DSR)
Upfront cash ≈ HK$36.98M (deposit + AVD stamp duty HK$2,896,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,906
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$177,543
−HK$4,704/mo
Today · 4.125%
HK$182,247
baseline
▲ 0.50% · 4.625%
HK$191,854
+HK$9,607/mo
Deposit HK$34.08M · loan HK$34.08M · min. income ≈ HK$364,494/mo (50% DSR)
Upfront cash ≈ HK$36.98M (deposit + AVD stamp duty HK$2,896,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,507
−HK$11,695/mo
▼ 0.25% · 3.875%
HK$192,308
−HK$5,894/mo
Today · 4.125%
HK$198,202
baseline
▲ 0.50% · 4.625%
HK$210,262
+HK$12,060/mo
Deposit HK$27.26M · loan HK$40.90M · min. income ≈ HK$396,404/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,896,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,487
−HK$11,210/mo
▼ 0.25% · 3.875%
HK$213,051
−HK$5,646/mo
Today · 4.125%
HK$218,697
baseline
▲ 0.50% · 4.625%
HK$230,224
+HK$11,527/mo
Deposit HK$27.26M · loan HK$40.90M · min. income ≈ HK$437,394/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,896,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,591
−HK$13,645/mo
▼ 0.25% · 3.875%
HK$224,359
−HK$6,877/mo
Today · 4.125%
HK$231,236
baseline
▲ 0.50% · 4.625%
HK$245,306
+HK$14,070/mo
Deposit HK$20.45M · loan HK$47.71M · min. income ≈ HK$462,472/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,896,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,068
−HK$13,078/mo
▼ 0.25% · 3.875%
HK$248,560
−HK$6,586/mo
Today · 4.125%
HK$255,146
baseline
▲ 0.50% · 4.625%
HK$268,595
+HK$13,449/mo
Deposit HK$20.45M · loan HK$47.71M · min. income ≈ HK$510,292/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,896,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,760
−HK$17,543/mo
▼ 0.25% · 3.875%
HK$288,462
−HK$8,841/mo
Today · 4.125%
HK$297,303
baseline
▲ 0.50% · 4.625%
HK$315,394
+HK$18,091/mo
Deposit HK$6.82M · loan HK$61.34M · min. income ≈ HK$594,606/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$2,896,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,230
−HK$16,815/mo
▼ 0.25% · 3.875%
HK$319,577
−HK$8,468/mo
Today · 4.125%
HK$328,045
baseline
▲ 0.50% · 4.625%
HK$345,337
+HK$17,292/mo
Deposit HK$6.82M · loan HK$61.34M · min. income ≈ HK$656,090/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$2,896,799 · Scale 2, in force from 26 Feb 2026)