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$152,437
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$157,179
−HK$4,817/mo
Today · 4.125%
HK$161,996
baseline
▲ 0.50% · 4.625%
HK$171,853
+HK$9,857/mo
Deposit HK$33.43M · loan HK$33.43M · min. income ≈ HK$323,992/mo (50% DSR)
Upfront cash ≈ HK$36.27M (deposit + AVD stamp duty HK$2,841,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,585
−HK$9,162/mo
▼ 0.25% · 3.875%
HK$174,133
−HK$4,614/mo
Today · 4.125%
HK$178,747
baseline
▲ 0.50% · 4.625%
HK$188,169
+HK$9,422/mo
Deposit HK$33.43M · loan HK$33.43M · min. income ≈ HK$357,494/mo (50% DSR)
Upfront cash ≈ HK$36.27M (deposit + AVD stamp duty HK$2,841,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,924
−HK$11,471/mo
▼ 0.25% · 3.875%
HK$188,614
−HK$5,781/mo
Today · 4.125%
HK$194,395
baseline
▲ 0.50% · 4.625%
HK$206,224
+HK$11,829/mo
Deposit HK$26.74M · loan HK$40.11M · min. income ≈ HK$388,790/mo (50% DSR)
Upfront cash ≈ HK$29.58M (deposit + AVD stamp duty HK$2,841,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,501
−HK$10,995/mo
▼ 0.25% · 3.875%
HK$208,959
−HK$5,537/mo
Today · 4.125%
HK$214,496
baseline
▲ 0.50% · 4.625%
HK$225,802
+HK$11,306/mo
Deposit HK$26.74M · loan HK$40.11M · min. income ≈ HK$428,992/mo (50% DSR)
Upfront cash ≈ HK$29.58M (deposit + AVD stamp duty HK$2,841,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,412
−HK$13,382/mo
▼ 0.25% · 3.875%
HK$220,050
−HK$6,744/mo
Today · 4.125%
HK$226,794
baseline
▲ 0.50% · 4.625%
HK$240,594
+HK$13,800/mo
Deposit HK$20.06M · loan HK$46.80M · min. income ≈ HK$453,588/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$2,841,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,418
−HK$12,827/mo
▼ 0.25% · 3.875%
HK$243,786
−HK$6,459/mo
Today · 4.125%
HK$250,245
baseline
▲ 0.50% · 4.625%
HK$263,436
+HK$13,191/mo
Deposit HK$20.06M · loan HK$46.80M · min. income ≈ HK$500,490/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$2,841,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,386
−HK$17,207/mo
▼ 0.25% · 3.875%
HK$282,921
−HK$8,672/mo
Today · 4.125%
HK$291,593
baseline
▲ 0.50% · 4.625%
HK$309,336
+HK$17,743/mo
Deposit HK$6.69M · loan HK$60.17M · min. income ≈ HK$583,186/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,841,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,252
−HK$16,492/mo
▼ 0.25% · 3.875%
HK$313,439
−HK$8,305/mo
Today · 4.125%
HK$321,744
baseline
▲ 0.50% · 4.625%
HK$338,703
+HK$16,959/mo
Deposit HK$6.69M · loan HK$60.17M · min. income ≈ HK$643,488/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,841,158 · Scale 2, in force from 26 Feb 2026)