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$150,811
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$155,502
−HK$4,766/mo
Today · 4.125%
HK$160,268
baseline
▲ 0.50% · 4.625%
HK$170,020
+HK$9,752/mo
Deposit HK$33.07M · loan HK$33.07M · min. income ≈ HK$320,536/mo (50% DSR)
Upfront cash ≈ HK$35.88M (deposit + AVD stamp duty HK$2,810,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,775
−HK$9,065/mo
▼ 0.25% · 3.875%
HK$172,275
−HK$4,565/mo
Today · 4.125%
HK$176,840
baseline
▲ 0.50% · 4.625%
HK$186,161
+HK$9,321/mo
Deposit HK$33.07M · loan HK$33.07M · min. income ≈ HK$353,680/mo (50% DSR)
Upfront cash ≈ HK$35.88M (deposit + AVD stamp duty HK$2,810,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,973
−HK$11,348/mo
▼ 0.25% · 3.875%
HK$186,602
−HK$5,719/mo
Today · 4.125%
HK$192,321
baseline
▲ 0.50% · 4.625%
HK$204,024
+HK$11,703/mo
Deposit HK$26.46M · loan HK$39.68M · min. income ≈ HK$384,642/mo (50% DSR)
Upfront cash ≈ HK$29.27M (deposit + AVD stamp duty HK$2,810,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,330
−HK$10,878/mo
▼ 0.25% · 3.875%
HK$206,730
−HK$5,478/mo
Today · 4.125%
HK$212,208
baseline
▲ 0.50% · 4.625%
HK$223,393
+HK$11,185/mo
Deposit HK$26.46M · loan HK$39.68M · min. income ≈ HK$424,416/mo (50% DSR)
Upfront cash ≈ HK$29.27M (deposit + AVD stamp duty HK$2,810,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,135
−HK$13,240/mo
▼ 0.25% · 3.875%
HK$217,702
−HK$6,673/mo
Today · 4.125%
HK$224,375
baseline
▲ 0.50% · 4.625%
HK$238,027
+HK$13,652/mo
Deposit HK$19.84M · loan HK$46.30M · min. income ≈ HK$448,750/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,810,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,885
−HK$12,690/mo
▼ 0.25% · 3.875%
HK$241,185
−HK$6,390/mo
Today · 4.125%
HK$247,575
baseline
▲ 0.50% · 4.625%
HK$260,625
+HK$13,050/mo
Deposit HK$19.84M · loan HK$46.30M · min. income ≈ HK$495,150/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$2,810,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,459
−HK$17,023/mo
▼ 0.25% · 3.875%
HK$279,903
−HK$8,579/mo
Today · 4.125%
HK$288,482
baseline
▲ 0.50% · 4.625%
HK$306,035
+HK$17,553/mo
Deposit HK$6.61M · loan HK$59.52M · min. income ≈ HK$576,964/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$2,810,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$301,995
−HK$16,316/mo
▼ 0.25% · 3.875%
HK$310,095
−HK$8,216/mo
Today · 4.125%
HK$318,311
baseline
▲ 0.50% · 4.625%
HK$335,090
+HK$16,779/mo
Deposit HK$6.61M · loan HK$59.52M · min. income ≈ HK$636,622/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$2,810,846 · Scale 2, in force from 26 Feb 2026)