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$149,455
−HK$9,372/mo
▼ 0.25% · 3.875%
HK$154,104
−HK$4,723/mo
Today · 4.125%
HK$158,827
baseline
▲ 0.50% · 4.625%
HK$168,491
+HK$9,664/mo
Deposit HK$32.77M · loan HK$32.77M · min. income ≈ HK$317,654/mo (50% DSR)
Upfront cash ≈ HK$35.56M (deposit + AVD stamp duty HK$2,785,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,267
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$170,726
−HK$4,524/mo
Today · 4.125%
HK$175,250
baseline
▲ 0.50% · 4.625%
HK$184,487
+HK$9,237/mo
Deposit HK$32.77M · loan HK$32.77M · min. income ≈ HK$350,500/mo (50% DSR)
Upfront cash ≈ HK$35.56M (deposit + AVD stamp duty HK$2,785,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,346
−HK$11,246/mo
▼ 0.25% · 3.875%
HK$184,924
−HK$5,668/mo
Today · 4.125%
HK$190,592
baseline
▲ 0.50% · 4.625%
HK$202,189
+HK$11,597/mo
Deposit HK$26.22M · loan HK$39.33M · min. income ≈ HK$381,184/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,785,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,520
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$204,871
−HK$5,429/mo
Today · 4.125%
HK$210,300
baseline
▲ 0.50% · 4.625%
HK$221,385
+HK$11,085/mo
Deposit HK$26.22M · loan HK$39.33M · min. income ≈ HK$420,600/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,785,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,237
−HK$13,121/mo
▼ 0.25% · 3.875%
HK$215,745
−HK$6,613/mo
Today · 4.125%
HK$222,358
baseline
▲ 0.50% · 4.625%
HK$235,888
+HK$13,530/mo
Deposit HK$19.66M · loan HK$45.88M · min. income ≈ HK$444,716/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,785,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,774
−HK$12,576/mo
▼ 0.25% · 3.875%
HK$239,017
−HK$6,333/mo
Today · 4.125%
HK$245,350
baseline
▲ 0.50% · 4.625%
HK$258,282
+HK$12,932/mo
Deposit HK$19.66M · loan HK$45.88M · min. income ≈ HK$490,700/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$2,785,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,019
−HK$16,869/mo
▼ 0.25% · 3.875%
HK$277,387
−HK$8,501/mo
Today · 4.125%
HK$285,888
baseline
▲ 0.50% · 4.625%
HK$303,284
+HK$17,396/mo
Deposit HK$6.55M · loan HK$58.99M · min. income ≈ HK$571,776/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,785,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,280
−HK$16,170/mo
▼ 0.25% · 3.875%
HK$307,307
−HK$8,143/mo
Today · 4.125%
HK$315,450
baseline
▲ 0.50% · 4.625%
HK$332,077
+HK$16,627/mo
Deposit HK$6.55M · loan HK$58.99M · min. income ≈ HK$630,900/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$2,785,576 · Scale 2, in force from 26 Feb 2026)