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$153,274
−HK$9,612/mo
▼ 0.25% · 3.875%
HK$158,042
−HK$4,844/mo
Today · 4.125%
HK$162,886
baseline
▲ 0.50% · 4.625%
HK$172,797
+HK$9,911/mo
Deposit HK$33.61M · loan HK$33.61M · min. income ≈ HK$325,772/mo (50% DSR)
Upfront cash ≈ HK$36.47M (deposit + AVD stamp duty HK$2,856,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,516
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$175,089
−HK$4,639/mo
Today · 4.125%
HK$179,728
baseline
▲ 0.50% · 4.625%
HK$189,202
+HK$9,474/mo
Deposit HK$33.61M · loan HK$33.61M · min. income ≈ HK$359,456/mo (50% DSR)
Upfront cash ≈ HK$36.47M (deposit + AVD stamp duty HK$2,856,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,929
−HK$11,534/mo
▼ 0.25% · 3.875%
HK$189,650
−HK$5,813/mo
Today · 4.125%
HK$195,463
baseline
▲ 0.50% · 4.625%
HK$207,356
+HK$11,893/mo
Deposit HK$26.89M · loan HK$40.33M · min. income ≈ HK$390,926/mo (50% DSR)
Upfront cash ≈ HK$29.74M (deposit + AVD stamp duty HK$2,856,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,619
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$210,107
−HK$5,567/mo
Today · 4.125%
HK$215,674
baseline
▲ 0.50% · 4.625%
HK$227,042
+HK$11,368/mo
Deposit HK$26.89M · loan HK$40.33M · min. income ≈ HK$431,348/mo (50% DSR)
Upfront cash ≈ HK$29.74M (deposit + AVD stamp duty HK$2,856,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,584
−HK$13,456/mo
▼ 0.25% · 3.875%
HK$221,258
−HK$6,782/mo
Today · 4.125%
HK$228,040
baseline
▲ 0.50% · 4.625%
HK$241,915
+HK$13,875/mo
Deposit HK$20.17M · loan HK$47.05M · min. income ≈ HK$456,080/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$2,856,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,722
−HK$12,897/mo
▼ 0.25% · 3.875%
HK$245,124
−HK$6,495/mo
Today · 4.125%
HK$251,619
baseline
▲ 0.50% · 4.625%
HK$264,883
+HK$13,264/mo
Deposit HK$20.17M · loan HK$47.05M · min. income ≈ HK$503,238/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$2,856,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$275,893
−HK$17,301/mo
▼ 0.25% · 3.875%
HK$284,475
−HK$8,719/mo
Today · 4.125%
HK$293,194
baseline
▲ 0.50% · 4.625%
HK$311,034
+HK$17,840/mo
Deposit HK$6.72M · loan HK$60.50M · min. income ≈ HK$586,388/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$2,856,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$306,928
−HK$16,583/mo
▼ 0.25% · 3.875%
HK$315,160
−HK$8,351/mo
Today · 4.125%
HK$323,511
baseline
▲ 0.50% · 4.625%
HK$340,563
+HK$17,052/mo
Deposit HK$6.72M · loan HK$60.50M · min. income ≈ HK$647,022/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$2,856,759 · Scale 2, in force from 26 Feb 2026)