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$155,407
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$160,241
−HK$4,911/mo
Today · 4.125%
HK$165,152
baseline
▲ 0.50% · 4.625%
HK$175,201
+HK$10,049/mo
Deposit HK$34.08M · loan HK$34.08M · min. income ≈ HK$330,304/mo (50% DSR)
Upfront cash ≈ HK$36.97M (deposit + AVD stamp duty HK$2,896,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,888
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$177,525
−HK$4,704/mo
Today · 4.125%
HK$182,229
baseline
▲ 0.50% · 4.625%
HK$191,835
+HK$9,606/mo
Deposit HK$34.08M · loan HK$34.08M · min. income ≈ HK$364,458/mo (50% DSR)
Upfront cash ≈ HK$36.97M (deposit + AVD stamp duty HK$2,896,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,488
−HK$11,695/mo
▼ 0.25% · 3.875%
HK$192,289
−HK$5,894/mo
Today · 4.125%
HK$198,183
baseline
▲ 0.50% · 4.625%
HK$210,241
+HK$12,058/mo
Deposit HK$27.26M · loan HK$40.89M · min. income ≈ HK$396,366/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,896,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,466
−HK$11,209/mo
▼ 0.25% · 3.875%
HK$213,030
−HK$5,645/mo
Today · 4.125%
HK$218,675
baseline
▲ 0.50% · 4.625%
HK$230,202
+HK$11,527/mo
Deposit HK$27.26M · loan HK$40.89M · min. income ≈ HK$437,350/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,896,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,569
−HK$13,644/mo
▼ 0.25% · 3.875%
HK$224,337
−HK$6,876/mo
Today · 4.125%
HK$231,213
baseline
▲ 0.50% · 4.625%
HK$245,282
+HK$14,069/mo
Deposit HK$20.45M · loan HK$47.71M · min. income ≈ HK$462,426/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,896,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,044
−HK$13,077/mo
▼ 0.25% · 3.875%
HK$248,535
−HK$6,586/mo
Today · 4.125%
HK$255,121
baseline
▲ 0.50% · 4.625%
HK$268,568
+HK$13,447/mo
Deposit HK$20.45M · loan HK$47.71M · min. income ≈ HK$510,242/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,896,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,732
−HK$17,542/mo
▼ 0.25% · 3.875%
HK$288,433
−HK$8,841/mo
Today · 4.125%
HK$297,274
baseline
▲ 0.50% · 4.625%
HK$315,362
+HK$18,088/mo
Deposit HK$6.82M · loan HK$61.34M · min. income ≈ HK$594,548/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$2,896,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,199
−HK$16,813/mo
▼ 0.25% · 3.875%
HK$319,545
−HK$8,467/mo
Today · 4.125%
HK$328,012
baseline
▲ 0.50% · 4.625%
HK$345,302
+HK$17,290/mo
Deposit HK$6.82M · loan HK$61.34M · min. income ≈ HK$656,024/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$2,896,511 · Scale 2, in force from 26 Feb 2026)