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$157,656
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$162,560
−HK$4,983/mo
Today · 4.125%
HK$167,543
baseline
▲ 0.50% · 4.625%
HK$177,737
+HK$10,194/mo
Deposit HK$34.57M · loan HK$34.57M · min. income ≈ HK$335,086/mo (50% DSR)
Upfront cash ≈ HK$37.51M (deposit + AVD stamp duty HK$2,938,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,391
−HK$9,476/mo
▼ 0.25% · 3.875%
HK$180,095
−HK$4,772/mo
Today · 4.125%
HK$184,867
baseline
▲ 0.50% · 4.625%
HK$194,612
+HK$9,745/mo
Deposit HK$34.57M · loan HK$34.57M · min. income ≈ HK$369,734/mo (50% DSR)
Upfront cash ≈ HK$37.51M (deposit + AVD stamp duty HK$2,938,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,188
−HK$11,863/mo
▼ 0.25% · 3.875%
HK$195,073
−HK$5,978/mo
Today · 4.125%
HK$201,051
baseline
▲ 0.50% · 4.625%
HK$213,285
+HK$12,234/mo
Deposit HK$27.66M · loan HK$41.48M · min. income ≈ HK$402,102/mo (50% DSR)
Upfront cash ≈ HK$30.59M (deposit + AVD stamp duty HK$2,938,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,469
−HK$11,371/mo
▼ 0.25% · 3.875%
HK$216,114
−HK$5,726/mo
Today · 4.125%
HK$221,840
baseline
▲ 0.50% · 4.625%
HK$233,534
+HK$11,694/mo
Deposit HK$27.66M · loan HK$41.48M · min. income ≈ HK$443,680/mo (50% DSR)
Upfront cash ≈ HK$30.59M (deposit + AVD stamp duty HK$2,938,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,719
−HK$13,841/mo
▼ 0.25% · 3.875%
HK$227,585
−HK$6,975/mo
Today · 4.125%
HK$234,560
baseline
▲ 0.50% · 4.625%
HK$248,832
+HK$14,272/mo
Deposit HK$20.74M · loan HK$48.40M · min. income ≈ HK$469,120/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$2,938,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,548
−HK$13,266/mo
▼ 0.25% · 3.875%
HK$252,133
−HK$6,681/mo
Today · 4.125%
HK$258,814
baseline
▲ 0.50% · 4.625%
HK$272,456
+HK$13,642/mo
Deposit HK$20.74M · loan HK$48.40M · min. income ≈ HK$517,628/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$2,938,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$283,782
−HK$17,795/mo
▼ 0.25% · 3.875%
HK$292,609
−HK$8,968/mo
Today · 4.125%
HK$301,577
baseline
▲ 0.50% · 4.625%
HK$319,927
+HK$18,350/mo
Deposit HK$6.91M · loan HK$62.23M · min. income ≈ HK$603,154/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$2,938,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$315,704
−HK$17,057/mo
▼ 0.25% · 3.875%
HK$324,171
−HK$8,590/mo
Today · 4.125%
HK$332,761
baseline
▲ 0.50% · 4.625%
HK$350,301
+HK$17,540/mo
Deposit HK$6.91M · loan HK$62.23M · min. income ≈ HK$665,522/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$2,938,441 · Scale 2, in force from 26 Feb 2026)