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$149,549
−HK$9,378/mo
▼ 0.25% · 3.875%
HK$154,200
−HK$4,727/mo
Today · 4.125%
HK$158,927
baseline
▲ 0.50% · 4.625%
HK$168,597
+HK$9,670/mo
Deposit HK$32.79M · loan HK$32.79M · min. income ≈ HK$317,854/mo (50% DSR)
Upfront cash ≈ HK$35.58M (deposit + AVD stamp duty HK$2,787,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,371
−HK$8,989/mo
▼ 0.25% · 3.875%
HK$170,833
−HK$4,527/mo
Today · 4.125%
HK$175,360
baseline
▲ 0.50% · 4.625%
HK$184,603
+HK$9,243/mo
Deposit HK$32.79M · loan HK$32.79M · min. income ≈ HK$350,720/mo (50% DSR)
Upfront cash ≈ HK$35.58M (deposit + AVD stamp duty HK$2,787,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,458
−HK$11,254/mo
▼ 0.25% · 3.875%
HK$185,041
−HK$5,671/mo
Today · 4.125%
HK$190,712
baseline
▲ 0.50% · 4.625%
HK$202,316
+HK$11,604/mo
Deposit HK$26.23M · loan HK$39.35M · min. income ≈ HK$381,424/mo (50% DSR)
Upfront cash ≈ HK$29.02M (deposit + AVD stamp duty HK$2,787,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,646
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$205,000
−HK$5,432/mo
Today · 4.125%
HK$210,432
baseline
▲ 0.50% · 4.625%
HK$221,524
+HK$11,092/mo
Deposit HK$26.23M · loan HK$39.35M · min. income ≈ HK$420,864/mo (50% DSR)
Upfront cash ≈ HK$29.02M (deposit + AVD stamp duty HK$2,787,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,368
−HK$13,129/mo
▼ 0.25% · 3.875%
HK$215,881
−HK$6,616/mo
Today · 4.125%
HK$222,497
baseline
▲ 0.50% · 4.625%
HK$236,036
+HK$13,539/mo
Deposit HK$19.68M · loan HK$45.91M · min. income ≈ HK$444,994/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,787,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,920
−HK$12,584/mo
▼ 0.25% · 3.875%
HK$239,167
−HK$6,337/mo
Today · 4.125%
HK$245,504
baseline
▲ 0.50% · 4.625%
HK$258,445
+HK$12,941/mo
Deposit HK$19.68M · loan HK$45.91M · min. income ≈ HK$491,008/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,787,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,188
−HK$16,880/mo
▼ 0.25% · 3.875%
HK$277,561
−HK$8,507/mo
Today · 4.125%
HK$286,068
baseline
▲ 0.50% · 4.625%
HK$303,475
+HK$17,407/mo
Deposit HK$6.56M · loan HK$59.03M · min. income ≈ HK$572,136/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$2,787,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,468
−HK$16,180/mo
▼ 0.25% · 3.875%
HK$307,500
−HK$8,148/mo
Today · 4.125%
HK$315,648
baseline
▲ 0.50% · 4.625%
HK$332,286
+HK$16,638/mo
Deposit HK$6.56M · loan HK$59.03M · min. income ≈ HK$631,296/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$2,787,326 · Scale 2, in force from 26 Feb 2026)