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$152,550
−HK$9,566/mo
▼ 0.25% · 3.875%
HK$157,295
−HK$4,821/mo
Today · 4.125%
HK$162,116
baseline
▲ 0.50% · 4.625%
HK$171,980
+HK$9,864/mo
Deposit HK$33.45M · loan HK$33.45M · min. income ≈ HK$324,232/mo (50% DSR)
Upfront cash ≈ HK$36.29M (deposit + AVD stamp duty HK$2,843,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,710
−HK$9,169/mo
▼ 0.25% · 3.875%
HK$174,262
−HK$4,617/mo
Today · 4.125%
HK$178,879
baseline
▲ 0.50% · 4.625%
HK$188,308
+HK$9,429/mo
Deposit HK$33.45M · loan HK$33.45M · min. income ≈ HK$357,758/mo (50% DSR)
Upfront cash ≈ HK$36.29M (deposit + AVD stamp duty HK$2,843,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,060
−HK$11,479/mo
▼ 0.25% · 3.875%
HK$188,754
−HK$5,785/mo
Today · 4.125%
HK$194,539
baseline
▲ 0.50% · 4.625%
HK$206,377
+HK$11,838/mo
Deposit HK$26.76M · loan HK$40.14M · min. income ≈ HK$389,078/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,843,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,652
−HK$11,003/mo
▼ 0.25% · 3.875%
HK$209,114
−HK$5,541/mo
Today · 4.125%
HK$214,655
baseline
▲ 0.50% · 4.625%
HK$225,970
+HK$11,315/mo
Deposit HK$26.76M · loan HK$40.14M · min. income ≈ HK$429,310/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,843,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,570
−HK$13,393/mo
▼ 0.25% · 3.875%
HK$220,213
−HK$6,750/mo
Today · 4.125%
HK$226,963
baseline
▲ 0.50% · 4.625%
HK$240,773
+HK$13,810/mo
Deposit HK$20.07M · loan HK$46.83M · min. income ≈ HK$453,926/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,843,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,594
−HK$12,837/mo
▼ 0.25% · 3.875%
HK$243,966
−HK$6,465/mo
Today · 4.125%
HK$250,431
baseline
▲ 0.50% · 4.625%
HK$263,631
+HK$13,200/mo
Deposit HK$20.07M · loan HK$46.83M · min. income ≈ HK$500,862/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,843,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,590
−HK$17,219/mo
▼ 0.25% · 3.875%
HK$283,131
−HK$8,678/mo
Today · 4.125%
HK$291,809
baseline
▲ 0.50% · 4.625%
HK$309,565
+HK$17,756/mo
Deposit HK$6.69M · loan HK$60.21M · min. income ≈ HK$583,618/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,843,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,478
−HK$16,504/mo
▼ 0.25% · 3.875%
HK$313,671
−HK$8,311/mo
Today · 4.125%
HK$321,982
baseline
▲ 0.50% · 4.625%
HK$338,955
+HK$16,973/mo
Deposit HK$6.69M · loan HK$60.21M · min. income ≈ HK$643,964/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,843,264 · Scale 2, in force from 26 Feb 2026)