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$156,134
−HK$9,791/mo
▼ 0.25% · 3.875%
HK$160,991
−HK$4,934/mo
Today · 4.125%
HK$165,925
baseline
▲ 0.50% · 4.625%
HK$176,021
+HK$10,096/mo
Deposit HK$34.24M · loan HK$34.24M · min. income ≈ HK$331,850/mo (50% DSR)
Upfront cash ≈ HK$37.15M (deposit + AVD stamp duty HK$2,910,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,698
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$178,356
−HK$4,726/mo
Today · 4.125%
HK$183,082
baseline
▲ 0.50% · 4.625%
HK$192,733
+HK$9,651/mo
Deposit HK$34.24M · loan HK$34.24M · min. income ≈ HK$366,164/mo (50% DSR)
Upfront cash ≈ HK$37.15M (deposit + AVD stamp duty HK$2,910,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,361
−HK$11,749/mo
▼ 0.25% · 3.875%
HK$193,189
−HK$5,921/mo
Today · 4.125%
HK$199,110
baseline
▲ 0.50% · 4.625%
HK$211,226
+HK$12,116/mo
Deposit HK$27.39M · loan HK$41.08M · min. income ≈ HK$398,220/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$2,910,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,437
−HK$11,262/mo
▼ 0.25% · 3.875%
HK$214,028
−HK$5,671/mo
Today · 4.125%
HK$219,699
baseline
▲ 0.50% · 4.625%
HK$231,279
+HK$11,580/mo
Deposit HK$27.39M · loan HK$41.08M · min. income ≈ HK$439,398/mo (50% DSR)
Upfront cash ≈ HK$30.30M (deposit + AVD stamp duty HK$2,910,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,588
−HK$13,707/mo
▼ 0.25% · 3.875%
HK$225,387
−HK$6,908/mo
Today · 4.125%
HK$232,295
baseline
▲ 0.50% · 4.625%
HK$246,430
+HK$14,135/mo
Deposit HK$20.54M · loan HK$47.93M · min. income ≈ HK$464,590/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$2,910,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,177
−HK$13,138/mo
▼ 0.25% · 3.875%
HK$249,699
−HK$6,616/mo
Today · 4.125%
HK$256,315
baseline
▲ 0.50% · 4.625%
HK$269,826
+HK$13,511/mo
Deposit HK$20.54M · loan HK$47.93M · min. income ≈ HK$512,630/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$2,910,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$281,042
−HK$17,623/mo
▼ 0.25% · 3.875%
HK$289,784
−HK$8,881/mo
Today · 4.125%
HK$298,665
baseline
▲ 0.50% · 4.625%
HK$316,839
+HK$18,174/mo
Deposit HK$6.85M · loan HK$61.63M · min. income ≈ HK$597,330/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,910,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,656
−HK$16,892/mo
▼ 0.25% · 3.875%
HK$321,041
−HK$8,507/mo
Today · 4.125%
HK$329,548
baseline
▲ 0.50% · 4.625%
HK$346,919
+HK$17,371/mo
Deposit HK$6.85M · loan HK$61.63M · min. income ≈ HK$659,096/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$2,910,071 · Scale 2, in force from 26 Feb 2026)