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$149,070
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$153,707
−HK$4,711/mo
Today · 4.125%
HK$158,418
baseline
▲ 0.50% · 4.625%
HK$168,058
+HK$9,640/mo
Deposit HK$32.69M · loan HK$32.69M · min. income ≈ HK$316,836/mo (50% DSR)
Upfront cash ≈ HK$35.47M (deposit + AVD stamp duty HK$2,778,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,839
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$170,287
−HK$4,512/mo
Today · 4.125%
HK$174,799
baseline
▲ 0.50% · 4.625%
HK$184,013
+HK$9,214/mo
Deposit HK$32.69M · loan HK$32.69M · min. income ≈ HK$349,598/mo (50% DSR)
Upfront cash ≈ HK$35.47M (deposit + AVD stamp duty HK$2,778,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,884
−HK$11,218/mo
▼ 0.25% · 3.875%
HK$184,449
−HK$5,653/mo
Today · 4.125%
HK$190,102
baseline
▲ 0.50% · 4.625%
HK$201,669
+HK$11,567/mo
Deposit HK$26.15M · loan HK$39.22M · min. income ≈ HK$380,204/mo (50% DSR)
Upfront cash ≈ HK$28.93M (deposit + AVD stamp duty HK$2,778,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,007
−HK$10,752/mo
▼ 0.25% · 3.875%
HK$204,344
−HK$5,415/mo
Today · 4.125%
HK$209,759
baseline
▲ 0.50% · 4.625%
HK$220,815
+HK$11,056/mo
Deposit HK$26.15M · loan HK$39.22M · min. income ≈ HK$419,518/mo (50% DSR)
Upfront cash ≈ HK$28.93M (deposit + AVD stamp duty HK$2,778,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,698
−HK$13,088/mo
▼ 0.25% · 3.875%
HK$215,190
−HK$6,596/mo
Today · 4.125%
HK$221,786
baseline
▲ 0.50% · 4.625%
HK$235,281
+HK$13,495/mo
Deposit HK$19.61M · loan HK$45.76M · min. income ≈ HK$443,572/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,778,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,175
−HK$12,544/mo
▼ 0.25% · 3.875%
HK$238,402
−HK$6,317/mo
Today · 4.125%
HK$244,719
baseline
▲ 0.50% · 4.625%
HK$257,618
+HK$12,899/mo
Deposit HK$19.61M · loan HK$45.76M · min. income ≈ HK$489,438/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$2,778,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,327
−HK$16,826/mo
▼ 0.25% · 3.875%
HK$276,673
−HK$8,480/mo
Today · 4.125%
HK$285,153
baseline
▲ 0.50% · 4.625%
HK$302,504
+HK$17,351/mo
Deposit HK$6.54M · loan HK$58.84M · min. income ≈ HK$570,306/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$2,778,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$298,511
−HK$16,127/mo
▼ 0.25% · 3.875%
HK$306,517
−HK$8,121/mo
Today · 4.125%
HK$314,638
baseline
▲ 0.50% · 4.625%
HK$331,223
+HK$16,585/mo
Deposit HK$6.54M · loan HK$58.84M · min. income ≈ HK$629,276/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$2,778,411 · Scale 2, in force from 26 Feb 2026)