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$155,030
−HK$9,722/mo
▼ 0.25% · 3.875%
HK$159,853
−HK$4,899/mo
Today · 4.125%
HK$164,752
baseline
▲ 0.50% · 4.625%
HK$174,777
+HK$10,025/mo
Deposit HK$33.99M · loan HK$33.99M · min. income ≈ HK$329,504/mo (50% DSR)
Upfront cash ≈ HK$36.88M (deposit + AVD stamp duty HK$2,889,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,470
−HK$9,318/mo
▼ 0.25% · 3.875%
HK$177,095
−HK$4,693/mo
Today · 4.125%
HK$181,788
baseline
▲ 0.50% · 4.625%
HK$191,370
+HK$9,582/mo
Deposit HK$33.99M · loan HK$33.99M · min. income ≈ HK$363,576/mo (50% DSR)
Upfront cash ≈ HK$36.88M (deposit + AVD stamp duty HK$2,889,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,037
−HK$11,666/mo
▼ 0.25% · 3.875%
HK$191,823
−HK$5,880/mo
Today · 4.125%
HK$197,703
baseline
▲ 0.50% · 4.625%
HK$209,732
+HK$12,029/mo
Deposit HK$27.20M · loan HK$40.79M · min. income ≈ HK$395,406/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$2,889,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,964
−HK$11,181/mo
▼ 0.25% · 3.875%
HK$212,514
−HK$5,631/mo
Today · 4.125%
HK$218,145
baseline
▲ 0.50% · 4.625%
HK$229,644
+HK$11,499/mo
Deposit HK$27.20M · loan HK$40.79M · min. income ≈ HK$436,290/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$2,889,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,043
−HK$13,610/mo
▼ 0.25% · 3.875%
HK$223,794
−HK$6,859/mo
Today · 4.125%
HK$230,653
baseline
▲ 0.50% · 4.625%
HK$244,688
+HK$14,035/mo
Deposit HK$20.40M · loan HK$47.59M · min. income ≈ HK$461,306/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,889,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,458
−HK$13,045/mo
▼ 0.25% · 3.875%
HK$247,933
−HK$6,570/mo
Today · 4.125%
HK$254,503
baseline
▲ 0.50% · 4.625%
HK$267,918
+HK$13,415/mo
Deposit HK$20.40M · loan HK$47.59M · min. income ≈ HK$509,006/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,889,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,055
−HK$17,499/mo
▼ 0.25% · 3.875%
HK$287,735
−HK$8,819/mo
Today · 4.125%
HK$296,554
baseline
▲ 0.50% · 4.625%
HK$314,599
+HK$18,045/mo
Deposit HK$6.80M · loan HK$61.19M · min. income ≈ HK$593,108/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,889,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,446
−HK$16,772/mo
▼ 0.25% · 3.875%
HK$318,772
−HK$8,446/mo
Today · 4.125%
HK$327,218
baseline
▲ 0.50% · 4.625%
HK$344,466
+HK$17,248/mo
Deposit HK$6.80M · loan HK$61.19M · min. income ≈ HK$654,436/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,889,497 · Scale 2, in force from 26 Feb 2026)