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$159,550
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$164,513
−HK$5,043/mo
Today · 4.125%
HK$169,556
baseline
▲ 0.50% · 4.625%
HK$179,873
+HK$10,317/mo
Deposit HK$34.99M · loan HK$34.99M · min. income ≈ HK$339,112/mo (50% DSR)
Upfront cash ≈ HK$37.96M (deposit + AVD stamp duty HK$2,973,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,498
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$182,259
−HK$4,829/mo
Today · 4.125%
HK$187,088
baseline
▲ 0.50% · 4.625%
HK$196,949
+HK$9,861/mo
Deposit HK$34.99M · loan HK$34.99M · min. income ≈ HK$374,176/mo (50% DSR)
Upfront cash ≈ HK$37.96M (deposit + AVD stamp duty HK$2,973,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,460
−HK$12,007/mo
▼ 0.25% · 3.875%
HK$197,416
−HK$6,051/mo
Today · 4.125%
HK$203,467
baseline
▲ 0.50% · 4.625%
HK$215,847
+HK$12,380/mo
Deposit HK$27.99M · loan HK$41.98M · min. income ≈ HK$406,934/mo (50% DSR)
Upfront cash ≈ HK$30.96M (deposit + AVD stamp duty HK$2,973,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,998
−HK$11,507/mo
▼ 0.25% · 3.875%
HK$218,710
−HK$5,795/mo
Today · 4.125%
HK$224,505
baseline
▲ 0.50% · 4.625%
HK$236,339
+HK$11,834/mo
Deposit HK$27.99M · loan HK$41.98M · min. income ≈ HK$449,010/mo (50% DSR)
Upfront cash ≈ HK$30.96M (deposit + AVD stamp duty HK$2,973,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,370
−HK$14,008/mo
▼ 0.25% · 3.875%
HK$230,319
−HK$7,059/mo
Today · 4.125%
HK$237,378
baseline
▲ 0.50% · 4.625%
HK$251,822
+HK$14,444/mo
Deposit HK$20.99M · loan HK$48.98M · min. income ≈ HK$474,756/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$2,973,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,497
−HK$13,426/mo
▼ 0.25% · 3.875%
HK$255,162
−HK$6,761/mo
Today · 4.125%
HK$261,923
baseline
▲ 0.50% · 4.625%
HK$275,729
+HK$13,806/mo
Deposit HK$20.99M · loan HK$48.98M · min. income ≈ HK$523,846/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$2,973,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$287,191
−HK$18,009/mo
▼ 0.25% · 3.875%
HK$296,124
−HK$9,076/mo
Today · 4.125%
HK$305,200
baseline
▲ 0.50% · 4.625%
HK$323,771
+HK$18,571/mo
Deposit HK$7.00M · loan HK$62.97M · min. income ≈ HK$610,400/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$2,973,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$319,497
−HK$17,261/mo
▼ 0.25% · 3.875%
HK$328,065
−HK$8,693/mo
Today · 4.125%
HK$336,758
baseline
▲ 0.50% · 4.625%
HK$354,509
+HK$17,751/mo
Deposit HK$7.00M · loan HK$62.97M · min. income ≈ HK$673,516/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$2,973,740 · Scale 2, in force from 26 Feb 2026)