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$155,075
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$159,899
−HK$4,901/mo
Today · 4.125%
HK$164,800
baseline
▲ 0.50% · 4.625%
HK$174,828
+HK$10,028/mo
Deposit HK$34.00M · loan HK$34.00M · min. income ≈ HK$329,600/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$2,890,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,520
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$177,147
−HK$4,694/mo
Today · 4.125%
HK$181,841
baseline
▲ 0.50% · 4.625%
HK$191,426
+HK$9,585/mo
Deposit HK$34.00M · loan HK$34.00M · min. income ≈ HK$363,682/mo (50% DSR)
Upfront cash ≈ HK$36.89M (deposit + AVD stamp duty HK$2,890,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,090
−HK$11,670/mo
▼ 0.25% · 3.875%
HK$191,879
−HK$5,881/mo
Today · 4.125%
HK$197,760
baseline
▲ 0.50% · 4.625%
HK$209,793
+HK$12,033/mo
Deposit HK$27.20M · loan HK$40.80M · min. income ≈ HK$395,520/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,890,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,024
−HK$11,185/mo
▼ 0.25% · 3.875%
HK$212,576
−HK$5,633/mo
Today · 4.125%
HK$218,209
baseline
▲ 0.50% · 4.625%
HK$229,711
+HK$11,502/mo
Deposit HK$27.20M · loan HK$40.80M · min. income ≈ HK$436,418/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,890,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,106
−HK$13,614/mo
▼ 0.25% · 3.875%
HK$223,859
−HK$6,861/mo
Today · 4.125%
HK$230,720
baseline
▲ 0.50% · 4.625%
HK$244,759
+HK$14,039/mo
Deposit HK$20.40M · loan HK$47.61M · min. income ≈ HK$461,440/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,890,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,528
−HK$13,049/mo
▼ 0.25% · 3.875%
HK$248,005
−HK$6,572/mo
Today · 4.125%
HK$254,577
baseline
▲ 0.50% · 4.625%
HK$267,996
+HK$13,419/mo
Deposit HK$20.40M · loan HK$47.61M · min. income ≈ HK$509,154/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,890,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,136
−HK$17,504/mo
▼ 0.25% · 3.875%
HK$287,818
−HK$8,822/mo
Today · 4.125%
HK$296,640
baseline
▲ 0.50% · 4.625%
HK$314,690
+HK$18,050/mo
Deposit HK$6.80M · loan HK$61.21M · min. income ≈ HK$593,280/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,890,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$310,536
−HK$16,777/mo
▼ 0.25% · 3.875%
HK$318,864
−HK$8,449/mo
Today · 4.125%
HK$327,313
baseline
▲ 0.50% · 4.625%
HK$344,566
+HK$17,253/mo
Deposit HK$6.80M · loan HK$61.21M · min. income ≈ HK$654,626/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$2,890,335 · Scale 2, in force from 26 Feb 2026)