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$153,937
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$158,725
−HK$4,865/mo
Today · 4.125%
HK$163,590
baseline
▲ 0.50% · 4.625%
HK$173,544
+HK$9,954/mo
Deposit HK$33.75M · loan HK$33.75M · min. income ≈ HK$327,180/mo (50% DSR)
Upfront cash ≈ HK$36.62M (deposit + AVD stamp duty HK$2,869,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,254
−HK$9,252/mo
▼ 0.25% · 3.875%
HK$175,846
−HK$4,660/mo
Today · 4.125%
HK$180,506
baseline
▲ 0.50% · 4.625%
HK$190,021
+HK$9,515/mo
Deposit HK$33.75M · loan HK$33.75M · min. income ≈ HK$361,012/mo (50% DSR)
Upfront cash ≈ HK$36.62M (deposit + AVD stamp duty HK$2,869,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,725
−HK$11,583/mo
▼ 0.25% · 3.875%
HK$190,471
−HK$5,837/mo
Today · 4.125%
HK$196,308
baseline
▲ 0.50% · 4.625%
HK$208,253
+HK$11,945/mo
Deposit HK$27.00M · loan HK$40.51M · min. income ≈ HK$392,616/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,869,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,504
−HK$11,103/mo
▼ 0.25% · 3.875%
HK$211,016
−HK$5,591/mo
Today · 4.125%
HK$216,607
baseline
▲ 0.50% · 4.625%
HK$228,025
+HK$11,418/mo
Deposit HK$27.00M · loan HK$40.51M · min. income ≈ HK$433,214/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,869,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,512
−HK$13,515/mo
▼ 0.25% · 3.875%
HK$222,216
−HK$6,811/mo
Today · 4.125%
HK$229,027
baseline
▲ 0.50% · 4.625%
HK$242,962
+HK$13,935/mo
Deposit HK$20.25M · loan HK$47.26M · min. income ≈ HK$458,054/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,869,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,755
−HK$12,953/mo
▼ 0.25% · 3.875%
HK$246,185
−HK$6,523/mo
Today · 4.125%
HK$252,708
baseline
▲ 0.50% · 4.625%
HK$266,029
+HK$13,321/mo
Deposit HK$20.25M · loan HK$47.26M · min. income ≈ HK$505,416/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,869,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,087
−HK$17,376/mo
▼ 0.25% · 3.875%
HK$285,706
−HK$8,757/mo
Today · 4.125%
HK$294,463
baseline
▲ 0.50% · 4.625%
HK$312,380
+HK$17,917/mo
Deposit HK$6.75M · loan HK$60.76M · min. income ≈ HK$588,926/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$2,869,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,256
−HK$16,655/mo
▼ 0.25% · 3.875%
HK$316,524
−HK$8,387/mo
Today · 4.125%
HK$324,911
baseline
▲ 0.50% · 4.625%
HK$342,037
+HK$17,126/mo
Deposit HK$6.75M · loan HK$60.76M · min. income ≈ HK$649,822/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$2,869,120 · Scale 2, in force from 26 Feb 2026)