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$155,339
−HK$9,741/mo
▼ 0.25% · 3.875%
HK$160,171
−HK$4,909/mo
Today · 4.125%
HK$165,080
baseline
▲ 0.50% · 4.625%
HK$175,125
+HK$10,045/mo
Deposit HK$34.06M · loan HK$34.06M · min. income ≈ HK$330,160/mo (50% DSR)
Upfront cash ≈ HK$36.96M (deposit + AVD stamp duty HK$2,895,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,813
−HK$9,337/mo
▼ 0.25% · 3.875%
HK$177,448
−HK$4,702/mo
Today · 4.125%
HK$182,150
baseline
▲ 0.50% · 4.625%
HK$191,751
+HK$9,601/mo
Deposit HK$34.06M · loan HK$34.06M · min. income ≈ HK$364,300/mo (50% DSR)
Upfront cash ≈ HK$36.96M (deposit + AVD stamp duty HK$2,895,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,407
−HK$11,689/mo
▼ 0.25% · 3.875%
HK$192,205
−HK$5,891/mo
Today · 4.125%
HK$198,096
baseline
▲ 0.50% · 4.625%
HK$210,150
+HK$12,054/mo
Deposit HK$27.25M · loan HK$40.87M · min. income ≈ HK$396,192/mo (50% DSR)
Upfront cash ≈ HK$30.14M (deposit + AVD stamp duty HK$2,895,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,376
−HK$11,204/mo
▼ 0.25% · 3.875%
HK$212,938
−HK$5,642/mo
Today · 4.125%
HK$218,580
baseline
▲ 0.50% · 4.625%
HK$230,102
+HK$11,522/mo
Deposit HK$27.25M · loan HK$40.87M · min. income ≈ HK$437,160/mo (50% DSR)
Upfront cash ≈ HK$30.14M (deposit + AVD stamp duty HK$2,895,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,475
−HK$13,638/mo
▼ 0.25% · 3.875%
HK$224,240
−HK$6,873/mo
Today · 4.125%
HK$231,113
baseline
▲ 0.50% · 4.625%
HK$245,175
+HK$14,062/mo
Deposit HK$20.44M · loan HK$47.69M · min. income ≈ HK$462,226/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$2,895,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,939
−HK$13,071/mo
▼ 0.25% · 3.875%
HK$248,427
−HK$6,583/mo
Today · 4.125%
HK$255,010
baseline
▲ 0.50% · 4.625%
HK$268,452
+HK$13,442/mo
Deposit HK$20.44M · loan HK$47.69M · min. income ≈ HK$510,020/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$2,895,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$279,611
−HK$17,534/mo
▼ 0.25% · 3.875%
HK$288,308
−HK$8,837/mo
Today · 4.125%
HK$297,145
baseline
▲ 0.50% · 4.625%
HK$315,225
+HK$18,080/mo
Deposit HK$6.81M · loan HK$61.31M · min. income ≈ HK$594,290/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$2,895,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$311,064
−HK$16,806/mo
▼ 0.25% · 3.875%
HK$319,407
−HK$8,463/mo
Today · 4.125%
HK$327,870
baseline
▲ 0.50% · 4.625%
HK$345,152
+HK$17,282/mo
Deposit HK$6.81M · loan HK$61.31M · min. income ≈ HK$655,740/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$2,895,253 · Scale 2, in force from 26 Feb 2026)