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$152,673
−HK$9,574/mo
▼ 0.25% · 3.875%
HK$157,422
−HK$4,825/mo
Today · 4.125%
HK$162,247
baseline
▲ 0.50% · 4.625%
HK$172,119
+HK$9,872/mo
Deposit HK$33.48M · loan HK$33.48M · min. income ≈ HK$324,494/mo (50% DSR)
Upfront cash ≈ HK$36.32M (deposit + AVD stamp duty HK$2,845,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,847
−HK$9,176/mo
▼ 0.25% · 3.875%
HK$174,402
−HK$4,621/mo
Today · 4.125%
HK$179,023
baseline
▲ 0.50% · 4.625%
HK$188,460
+HK$9,437/mo
Deposit HK$33.48M · loan HK$33.48M · min. income ≈ HK$358,046/mo (50% DSR)
Upfront cash ≈ HK$36.32M (deposit + AVD stamp duty HK$2,845,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,207
−HK$11,489/mo
▼ 0.25% · 3.875%
HK$188,906
−HK$5,790/mo
Today · 4.125%
HK$194,696
baseline
▲ 0.50% · 4.625%
HK$206,543
+HK$11,847/mo
Deposit HK$26.78M · loan HK$40.17M · min. income ≈ HK$389,392/mo (50% DSR)
Upfront cash ≈ HK$29.63M (deposit + AVD stamp duty HK$2,845,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,816
−HK$11,012/mo
▼ 0.25% · 3.875%
HK$209,283
−HK$5,545/mo
Today · 4.125%
HK$214,828
baseline
▲ 0.50% · 4.625%
HK$226,152
+HK$11,324/mo
Deposit HK$26.78M · loan HK$40.17M · min. income ≈ HK$429,656/mo (50% DSR)
Upfront cash ≈ HK$29.63M (deposit + AVD stamp duty HK$2,845,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,742
−HK$13,403/mo
▼ 0.25% · 3.875%
HK$220,391
−HK$6,754/mo
Today · 4.125%
HK$227,145
baseline
▲ 0.50% · 4.625%
HK$240,967
+HK$13,822/mo
Deposit HK$20.09M · loan HK$46.87M · min. income ≈ HK$454,290/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$2,845,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,786
−HK$12,847/mo
▼ 0.25% · 3.875%
HK$244,163
−HK$6,470/mo
Today · 4.125%
HK$250,633
baseline
▲ 0.50% · 4.625%
HK$263,844
+HK$13,211/mo
Deposit HK$20.09M · loan HK$46.87M · min. income ≈ HK$501,266/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$2,845,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,811
−HK$17,233/mo
▼ 0.25% · 3.875%
HK$283,359
−HK$8,685/mo
Today · 4.125%
HK$292,044
baseline
▲ 0.50% · 4.625%
HK$309,814
+HK$17,770/mo
Deposit HK$6.70M · loan HK$60.26M · min. income ≈ HK$584,088/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$2,845,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,725
−HK$16,517/mo
▼ 0.25% · 3.875%
HK$313,924
−HK$8,318/mo
Today · 4.125%
HK$322,242
baseline
▲ 0.50% · 4.625%
HK$339,228
+HK$16,986/mo
Deposit HK$6.70M · loan HK$60.26M · min. income ≈ HK$644,484/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$2,845,555 · Scale 2, in force from 26 Feb 2026)