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$150,951
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$155,646
−HK$4,771/mo
Today · 4.125%
HK$160,417
baseline
▲ 0.50% · 4.625%
HK$170,178
+HK$9,761/mo
Deposit HK$33.10M · loan HK$33.10M · min. income ≈ HK$320,834/mo (50% DSR)
Upfront cash ≈ HK$35.91M (deposit + AVD stamp duty HK$2,813,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,931
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$172,435
−HK$4,569/mo
Today · 4.125%
HK$177,004
baseline
▲ 0.50% · 4.625%
HK$186,334
+HK$9,330/mo
Deposit HK$33.10M · loan HK$33.10M · min. income ≈ HK$354,008/mo (50% DSR)
Upfront cash ≈ HK$35.91M (deposit + AVD stamp duty HK$2,813,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,141
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$186,775
−HK$5,725/mo
Today · 4.125%
HK$192,500
baseline
▲ 0.50% · 4.625%
HK$204,213
+HK$11,713/mo
Deposit HK$26.48M · loan HK$39.72M · min. income ≈ HK$385,000/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,813,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,517
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$206,922
−HK$5,483/mo
Today · 4.125%
HK$212,405
baseline
▲ 0.50% · 4.625%
HK$223,601
+HK$11,196/mo
Deposit HK$26.48M · loan HK$39.72M · min. income ≈ HK$424,810/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,813,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,331
−HK$13,252/mo
▼ 0.25% · 3.875%
HK$217,905
−HK$6,678/mo
Today · 4.125%
HK$224,583
baseline
▲ 0.50% · 4.625%
HK$238,249
+HK$13,666/mo
Deposit HK$19.86M · loan HK$46.34M · min. income ≈ HK$449,166/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$2,813,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,104
−HK$12,702/mo
▼ 0.25% · 3.875%
HK$241,409
−HK$6,397/mo
Today · 4.125%
HK$247,806
baseline
▲ 0.50% · 4.625%
HK$260,868
+HK$13,062/mo
Deposit HK$19.86M · loan HK$46.34M · min. income ≈ HK$495,612/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$2,813,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,711
−HK$17,039/mo
▼ 0.25% · 3.875%
HK$280,163
−HK$8,587/mo
Today · 4.125%
HK$288,750
baseline
▲ 0.50% · 4.625%
HK$306,320
+HK$17,570/mo
Deposit HK$6.62M · loan HK$59.58M · min. income ≈ HK$577,500/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,813,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$302,276
−HK$16,331/mo
▼ 0.25% · 3.875%
HK$310,383
−HK$8,224/mo
Today · 4.125%
HK$318,607
baseline
▲ 0.50% · 4.625%
HK$335,401
+HK$16,794/mo
Deposit HK$6.62M · loan HK$59.58M · min. income ≈ HK$637,214/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$2,813,458 · Scale 2, in force from 26 Feb 2026)