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$155,156
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$159,982
−HK$4,903/mo
Today · 4.125%
HK$164,885
baseline
▲ 0.50% · 4.625%
HK$174,918
+HK$10,033/mo
Deposit HK$34.02M · loan HK$34.02M · min. income ≈ HK$329,770/mo (50% DSR)
Upfront cash ≈ HK$36.91M (deposit + AVD stamp duty HK$2,891,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,609
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$177,238
−HK$4,697/mo
Today · 4.125%
HK$181,935
baseline
▲ 0.50% · 4.625%
HK$191,525
+HK$9,590/mo
Deposit HK$34.02M · loan HK$34.02M · min. income ≈ HK$363,870/mo (50% DSR)
Upfront cash ≈ HK$36.91M (deposit + AVD stamp duty HK$2,891,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,187
−HK$11,675/mo
▼ 0.25% · 3.875%
HK$191,978
−HK$5,884/mo
Today · 4.125%
HK$197,862
baseline
▲ 0.50% · 4.625%
HK$209,902
+HK$12,040/mo
Deposit HK$27.22M · loan HK$40.83M · min. income ≈ HK$395,724/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,891,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,131
−HK$11,191/mo
▼ 0.25% · 3.875%
HK$212,686
−HK$5,636/mo
Today · 4.125%
HK$218,322
baseline
▲ 0.50% · 4.625%
HK$229,830
+HK$11,508/mo
Deposit HK$27.22M · loan HK$40.83M · min. income ≈ HK$436,644/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,891,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,218
−HK$13,621/mo
▼ 0.25% · 3.875%
HK$223,975
−HK$6,864/mo
Today · 4.125%
HK$230,839
baseline
▲ 0.50% · 4.625%
HK$244,885
+HK$14,046/mo
Deposit HK$20.41M · loan HK$47.63M · min. income ≈ HK$461,678/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$2,891,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,653
−HK$13,056/mo
▼ 0.25% · 3.875%
HK$248,134
−HK$6,575/mo
Today · 4.125%
HK$254,709
baseline
▲ 0.50% · 4.625%
HK$268,135
+HK$13,426/mo
Deposit HK$20.41M · loan HK$47.63M · min. income ≈ HK$509,418/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$2,891,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,280
−HK$17,514/mo
▼ 0.25% · 3.875%
HK$287,967
−HK$8,827/mo
Today · 4.125%
HK$296,794
baseline
▲ 0.50% · 4.625%
HK$314,853
+HK$18,059/mo
Deposit HK$6.80M · loan HK$61.24M · min. income ≈ HK$593,588/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$2,891,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,696
−HK$16,786/mo
▼ 0.25% · 3.875%
HK$319,029
−HK$8,453/mo
Today · 4.125%
HK$327,482
baseline
▲ 0.50% · 4.625%
HK$344,744
+HK$17,262/mo
Deposit HK$6.80M · loan HK$61.24M · min. income ≈ HK$654,964/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$2,891,831 · Scale 2, in force from 26 Feb 2026)