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$156,959
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$161,841
−HK$4,960/mo
Today · 4.125%
HK$166,801
baseline
▲ 0.50% · 4.625%
HK$176,951
+HK$10,150/mo
Deposit HK$34.42M · loan HK$34.42M · min. income ≈ HK$333,602/mo (50% DSR)
Upfront cash ≈ HK$37.34M (deposit + AVD stamp duty HK$2,925,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,615
−HK$9,434/mo
▼ 0.25% · 3.875%
HK$179,298
−HK$4,751/mo
Today · 4.125%
HK$184,049
baseline
▲ 0.50% · 4.625%
HK$193,750
+HK$9,701/mo
Deposit HK$34.42M · loan HK$34.42M · min. income ≈ HK$368,098/mo (50% DSR)
Upfront cash ≈ HK$37.34M (deposit + AVD stamp duty HK$2,925,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,350
−HK$11,812/mo
▼ 0.25% · 3.875%
HK$194,209
−HK$5,953/mo
Today · 4.125%
HK$200,162
baseline
▲ 0.50% · 4.625%
HK$212,341
+HK$12,179/mo
Deposit HK$27.53M · loan HK$41.30M · min. income ≈ HK$400,324/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,925,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,538
−HK$11,321/mo
▼ 0.25% · 3.875%
HK$215,158
−HK$5,701/mo
Today · 4.125%
HK$220,859
baseline
▲ 0.50% · 4.625%
HK$232,500
+HK$11,641/mo
Deposit HK$27.53M · loan HK$41.30M · min. income ≈ HK$441,718/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,925,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,742
−HK$13,780/mo
▼ 0.25% · 3.875%
HK$226,577
−HK$6,945/mo
Today · 4.125%
HK$233,522
baseline
▲ 0.50% · 4.625%
HK$247,731
+HK$14,209/mo
Deposit HK$20.65M · loan HK$48.18M · min. income ≈ HK$467,044/mo (50% DSR)
Upfront cash ≈ HK$23.58M (deposit + AVD stamp duty HK$2,925,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,461
−HK$13,207/mo
▼ 0.25% · 3.875%
HK$251,017
−HK$6,651/mo
Today · 4.125%
HK$257,668
baseline
▲ 0.50% · 4.625%
HK$271,250
+HK$13,582/mo
Deposit HK$20.65M · loan HK$48.18M · min. income ≈ HK$515,336/mo (50% DSR)
Upfront cash ≈ HK$23.58M (deposit + AVD stamp duty HK$2,925,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$282,526
−HK$17,716/mo
▼ 0.25% · 3.875%
HK$291,314
−HK$8,928/mo
Today · 4.125%
HK$300,242
baseline
▲ 0.50% · 4.625%
HK$318,511
+HK$18,269/mo
Deposit HK$6.88M · loan HK$61.95M · min. income ≈ HK$600,484/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$2,925,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$314,307
−HK$16,981/mo
▼ 0.25% · 3.875%
HK$322,736
−HK$8,552/mo
Today · 4.125%
HK$331,288
baseline
▲ 0.50% · 4.625%
HK$348,750
+HK$17,462/mo
Deposit HK$6.88M · loan HK$61.95M · min. income ≈ HK$662,576/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$2,925,435 · Scale 2, in force from 26 Feb 2026)