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$149,883
−HK$9,399/mo
▼ 0.25% · 3.875%
HK$154,545
−HK$4,737/mo
Today · 4.125%
HK$159,282
baseline
▲ 0.50% · 4.625%
HK$168,974
+HK$9,692/mo
Deposit HK$32.87M · loan HK$32.87M · min. income ≈ HK$318,564/mo (50% DSR)
Upfront cash ≈ HK$35.66M (deposit + AVD stamp duty HK$2,793,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,743
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$171,215
−HK$4,537/mo
Today · 4.125%
HK$175,752
baseline
▲ 0.50% · 4.625%
HK$185,016
+HK$9,264/mo
Deposit HK$32.87M · loan HK$32.87M · min. income ≈ HK$351,504/mo (50% DSR)
Upfront cash ≈ HK$35.66M (deposit + AVD stamp duty HK$2,793,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,860
−HK$11,278/mo
▼ 0.25% · 3.875%
HK$185,454
−HK$5,684/mo
Today · 4.125%
HK$191,138
baseline
▲ 0.50% · 4.625%
HK$202,769
+HK$11,631/mo
Deposit HK$26.29M · loan HK$39.44M · min. income ≈ HK$382,276/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,793,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,092
−HK$10,810/mo
▼ 0.25% · 3.875%
HK$205,458
−HK$5,444/mo
Today · 4.125%
HK$210,902
baseline
▲ 0.50% · 4.625%
HK$222,019
+HK$11,117/mo
Deposit HK$26.29M · loan HK$39.44M · min. income ≈ HK$421,804/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,793,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,836
−HK$13,159/mo
▼ 0.25% · 3.875%
HK$216,363
−HK$6,632/mo
Today · 4.125%
HK$222,995
baseline
▲ 0.50% · 4.625%
HK$236,564
+HK$13,569/mo
Deposit HK$19.72M · loan HK$46.01M · min. income ≈ HK$445,990/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,793,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,441
−HK$12,612/mo
▼ 0.25% · 3.875%
HK$239,702
−HK$6,351/mo
Today · 4.125%
HK$246,053
baseline
▲ 0.50% · 4.625%
HK$259,023
+HK$12,970/mo
Deposit HK$19.72M · loan HK$46.01M · min. income ≈ HK$492,106/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$2,793,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,790
−HK$16,918/mo
▼ 0.25% · 3.875%
HK$278,181
−HK$8,527/mo
Today · 4.125%
HK$286,708
baseline
▲ 0.50% · 4.625%
HK$304,153
+HK$17,445/mo
Deposit HK$6.57M · loan HK$59.16M · min. income ≈ HK$573,416/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$2,793,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$300,138
−HK$16,216/mo
▼ 0.25% · 3.875%
HK$308,188
−HK$8,166/mo
Today · 4.125%
HK$316,354
baseline
▲ 0.50% · 4.625%
HK$333,029
+HK$16,675/mo
Deposit HK$6.57M · loan HK$59.16M · min. income ≈ HK$632,708/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$2,793,559 · Scale 2, in force from 26 Feb 2026)