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$154,071
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$158,864
−HK$4,869/mo
Today · 4.125%
HK$163,733
baseline
▲ 0.50% · 4.625%
HK$173,696
+HK$9,963/mo
Deposit HK$33.78M · loan HK$33.78M · min. income ≈ HK$327,466/mo (50% DSR)
Upfront cash ≈ HK$36.66M (deposit + AVD stamp duty HK$2,871,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,403
−HK$9,260/mo
▼ 0.25% · 3.875%
HK$176,000
−HK$4,663/mo
Today · 4.125%
HK$180,663
baseline
▲ 0.50% · 4.625%
HK$190,186
+HK$9,523/mo
Deposit HK$33.78M · loan HK$33.78M · min. income ≈ HK$361,326/mo (50% DSR)
Upfront cash ≈ HK$36.66M (deposit + AVD stamp duty HK$2,871,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,886
−HK$11,594/mo
▼ 0.25% · 3.875%
HK$190,637
−HK$5,843/mo
Today · 4.125%
HK$196,480
baseline
▲ 0.50% · 4.625%
HK$208,435
+HK$11,955/mo
Deposit HK$27.03M · loan HK$40.54M · min. income ≈ HK$392,960/mo (50% DSR)
Upfront cash ≈ HK$29.90M (deposit + AVD stamp duty HK$2,871,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,683
−HK$11,113/mo
▼ 0.25% · 3.875%
HK$211,200
−HK$5,596/mo
Today · 4.125%
HK$216,796
baseline
▲ 0.50% · 4.625%
HK$228,224
+HK$11,428/mo
Deposit HK$27.03M · loan HK$40.54M · min. income ≈ HK$433,592/mo (50% DSR)
Upfront cash ≈ HK$29.90M (deposit + AVD stamp duty HK$2,871,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,700
−HK$13,526/mo
▼ 0.25% · 3.875%
HK$222,409
−HK$6,817/mo
Today · 4.125%
HK$229,226
baseline
▲ 0.50% · 4.625%
HK$243,174
+HK$13,948/mo
Deposit HK$20.27M · loan HK$47.30M · min. income ≈ HK$458,452/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$2,871,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,964
−HK$12,965/mo
▼ 0.25% · 3.875%
HK$246,400
−HK$6,529/mo
Today · 4.125%
HK$252,929
baseline
▲ 0.50% · 4.625%
HK$266,261
+HK$13,332/mo
Deposit HK$20.27M · loan HK$47.30M · min. income ≈ HK$505,858/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$2,871,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,329
−HK$17,390/mo
▼ 0.25% · 3.875%
HK$285,955
−HK$8,764/mo
Today · 4.125%
HK$294,719
baseline
▲ 0.50% · 4.625%
HK$312,652
+HK$17,933/mo
Deposit HK$6.76M · loan HK$60.81M · min. income ≈ HK$589,438/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$2,871,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,525
−HK$16,669/mo
▼ 0.25% · 3.875%
HK$316,800
−HK$8,394/mo
Today · 4.125%
HK$325,194
baseline
▲ 0.50% · 4.625%
HK$342,335
+HK$17,141/mo
Deposit HK$6.76M · loan HK$60.81M · min. income ≈ HK$650,388/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$2,871,622 · Scale 2, in force from 26 Feb 2026)