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$149,505
−HK$9,376/mo
▼ 0.25% · 3.875%
HK$154,156
−HK$4,725/mo
Today · 4.125%
HK$158,881
baseline
▲ 0.50% · 4.625%
HK$168,548
+HK$9,667/mo
Deposit HK$32.78M · loan HK$32.78M · min. income ≈ HK$317,762/mo (50% DSR)
Upfront cash ≈ HK$35.57M (deposit + AVD stamp duty HK$2,786,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,323
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$170,784
−HK$4,525/mo
Today · 4.125%
HK$175,309
baseline
▲ 0.50% · 4.625%
HK$184,550
+HK$9,241/mo
Deposit HK$32.78M · loan HK$32.78M · min. income ≈ HK$350,618/mo (50% DSR)
Upfront cash ≈ HK$35.57M (deposit + AVD stamp duty HK$2,786,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,406
−HK$11,251/mo
▼ 0.25% · 3.875%
HK$184,987
−HK$5,670/mo
Today · 4.125%
HK$190,657
baseline
▲ 0.50% · 4.625%
HK$202,258
+HK$11,601/mo
Deposit HK$26.23M · loan HK$39.34M · min. income ≈ HK$381,314/mo (50% DSR)
Upfront cash ≈ HK$29.01M (deposit + AVD stamp duty HK$2,786,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,588
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$204,941
−HK$5,430/mo
Today · 4.125%
HK$210,371
baseline
▲ 0.50% · 4.625%
HK$221,460
+HK$11,089/mo
Deposit HK$26.23M · loan HK$39.34M · min. income ≈ HK$420,742/mo (50% DSR)
Upfront cash ≈ HK$29.01M (deposit + AVD stamp duty HK$2,786,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,307
−HK$13,126/mo
▼ 0.25% · 3.875%
HK$215,818
−HK$6,615/mo
Today · 4.125%
HK$222,433
baseline
▲ 0.50% · 4.625%
HK$235,967
+HK$13,534/mo
Deposit HK$19.67M · loan HK$45.90M · min. income ≈ HK$444,866/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,786,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,852
−HK$12,581/mo
▼ 0.25% · 3.875%
HK$239,097
−HK$6,336/mo
Today · 4.125%
HK$245,433
baseline
▲ 0.50% · 4.625%
HK$258,370
+HK$12,937/mo
Deposit HK$19.67M · loan HK$45.90M · min. income ≈ HK$490,866/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$2,786,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,109
−HK$16,876/mo
▼ 0.25% · 3.875%
HK$277,480
−HK$8,505/mo
Today · 4.125%
HK$285,985
baseline
▲ 0.50% · 4.625%
HK$303,386
+HK$17,401/mo
Deposit HK$6.56M · loan HK$59.01M · min. income ≈ HK$571,970/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,786,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,382
−HK$16,174/mo
▼ 0.25% · 3.875%
HK$307,411
−HK$8,145/mo
Today · 4.125%
HK$315,556
baseline
▲ 0.50% · 4.625%
HK$332,190
+HK$16,634/mo
Deposit HK$6.56M · loan HK$59.01M · min. income ≈ HK$631,112/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,786,517 · Scale 2, in force from 26 Feb 2026)