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$158,408
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$163,335
−HK$5,006/mo
Today · 4.125%
HK$168,341
baseline
▲ 0.50% · 4.625%
HK$178,585
+HK$10,244/mo
Deposit HK$34.73M · loan HK$34.73M · min. income ≈ HK$336,682/mo (50% DSR)
Upfront cash ≈ HK$37.69M (deposit + AVD stamp duty HK$2,952,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,227
−HK$9,521/mo
▼ 0.25% · 3.875%
HK$180,953
−HK$4,795/mo
Today · 4.125%
HK$185,748
baseline
▲ 0.50% · 4.625%
HK$195,539
+HK$9,791/mo
Deposit HK$34.73M · loan HK$34.73M · min. income ≈ HK$371,496/mo (50% DSR)
Upfront cash ≈ HK$37.69M (deposit + AVD stamp duty HK$2,952,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,089
−HK$11,921/mo
▼ 0.25% · 3.875%
HK$196,002
−HK$6,008/mo
Today · 4.125%
HK$202,010
baseline
▲ 0.50% · 4.625%
HK$214,301
+HK$12,291/mo
Deposit HK$27.79M · loan HK$41.68M · min. income ≈ HK$404,020/mo (50% DSR)
Upfront cash ≈ HK$30.74M (deposit + AVD stamp duty HK$2,952,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,472
−HK$11,426/mo
▼ 0.25% · 3.875%
HK$217,144
−HK$5,754/mo
Today · 4.125%
HK$222,898
baseline
▲ 0.50% · 4.625%
HK$234,647
+HK$11,749/mo
Deposit HK$27.79M · loan HK$41.68M · min. income ≈ HK$445,796/mo (50% DSR)
Upfront cash ≈ HK$30.74M (deposit + AVD stamp duty HK$2,952,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,771
−HK$13,907/mo
▼ 0.25% · 3.875%
HK$228,669
−HK$7,009/mo
Today · 4.125%
HK$235,678
baseline
▲ 0.50% · 4.625%
HK$250,018
+HK$14,340/mo
Deposit HK$20.84M · loan HK$48.63M · min. income ≈ HK$471,356/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$2,952,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,718
−HK$13,329/mo
▼ 0.25% · 3.875%
HK$253,335
−HK$6,712/mo
Today · 4.125%
HK$260,047
baseline
▲ 0.50% · 4.625%
HK$273,755
+HK$13,708/mo
Deposit HK$20.84M · loan HK$48.63M · min. income ≈ HK$520,094/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$2,952,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,134
−HK$17,880/mo
▼ 0.25% · 3.875%
HK$294,003
−HK$9,011/mo
Today · 4.125%
HK$303,014
baseline
▲ 0.50% · 4.625%
HK$321,452
+HK$18,438/mo
Deposit HK$6.95M · loan HK$62.52M · min. income ≈ HK$606,028/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,952,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,209
−HK$17,138/mo
▼ 0.25% · 3.875%
HK$325,716
−HK$8,631/mo
Today · 4.125%
HK$334,347
baseline
▲ 0.50% · 4.625%
HK$351,970
+HK$17,623/mo
Deposit HK$6.95M · loan HK$62.52M · min. income ≈ HK$668,694/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$2,952,445 · Scale 2, in force from 26 Feb 2026)