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$149,626
−HK$9,383/mo
▼ 0.25% · 3.875%
HK$154,280
−HK$4,729/mo
Today · 4.125%
HK$159,009
baseline
▲ 0.50% · 4.625%
HK$168,684
+HK$9,675/mo
Deposit HK$32.81M · loan HK$32.81M · min. income ≈ HK$318,018/mo (50% DSR)
Upfront cash ≈ HK$35.60M (deposit + AVD stamp duty HK$2,788,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,457
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$170,922
−HK$4,529/mo
Today · 4.125%
HK$175,451
baseline
▲ 0.50% · 4.625%
HK$184,699
+HK$9,248/mo
Deposit HK$32.81M · loan HK$32.81M · min. income ≈ HK$350,902/mo (50% DSR)
Upfront cash ≈ HK$35.60M (deposit + AVD stamp duty HK$2,788,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,551
−HK$11,260/mo
▼ 0.25% · 3.875%
HK$185,136
−HK$5,675/mo
Today · 4.125%
HK$190,811
baseline
▲ 0.50% · 4.625%
HK$202,421
+HK$11,610/mo
Deposit HK$26.25M · loan HK$39.37M · min. income ≈ HK$381,622/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$2,788,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,749
−HK$10,792/mo
▼ 0.25% · 3.875%
HK$205,106
−HK$5,435/mo
Today · 4.125%
HK$210,541
baseline
▲ 0.50% · 4.625%
HK$221,639
+HK$11,098/mo
Deposit HK$26.25M · loan HK$39.37M · min. income ≈ HK$421,082/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$2,788,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,476
−HK$13,136/mo
▼ 0.25% · 3.875%
HK$215,992
−HK$6,620/mo
Today · 4.125%
HK$222,612
baseline
▲ 0.50% · 4.625%
HK$236,158
+HK$13,546/mo
Deposit HK$19.69M · loan HK$45.93M · min. income ≈ HK$445,224/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,788,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,040
−HK$12,591/mo
▼ 0.25% · 3.875%
HK$239,290
−HK$6,341/mo
Today · 4.125%
HK$245,631
baseline
▲ 0.50% · 4.625%
HK$258,578
+HK$12,947/mo
Deposit HK$19.69M · loan HK$45.93M · min. income ≈ HK$491,262/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,788,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,327
−HK$16,889/mo
▼ 0.25% · 3.875%
HK$277,704
−HK$8,512/mo
Today · 4.125%
HK$286,216
baseline
▲ 0.50% · 4.625%
HK$303,632
+HK$17,416/mo
Deposit HK$6.56M · loan HK$59.06M · min. income ≈ HK$572,432/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$2,788,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,623
−HK$16,188/mo
▼ 0.25% · 3.875%
HK$307,659
−HK$8,152/mo
Today · 4.125%
HK$315,811
baseline
▲ 0.50% · 4.625%
HK$332,458
+HK$16,647/mo
Deposit HK$6.56M · loan HK$59.06M · min. income ≈ HK$631,622/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$2,788,768 · Scale 2, in force from 26 Feb 2026)