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$151,522
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$156,235
−HK$4,789/mo
Today · 4.125%
HK$161,024
baseline
▲ 0.50% · 4.625%
HK$170,821
+HK$9,797/mo
Deposit HK$33.22M · loan HK$33.22M · min. income ≈ HK$322,048/mo (50% DSR)
Upfront cash ≈ HK$36.05M (deposit + AVD stamp duty HK$2,824,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,566
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$173,087
−HK$4,587/mo
Today · 4.125%
HK$177,674
baseline
▲ 0.50% · 4.625%
HK$187,039
+HK$9,365/mo
Deposit HK$33.22M · loan HK$33.22M · min. income ≈ HK$355,348/mo (50% DSR)
Upfront cash ≈ HK$36.05M (deposit + AVD stamp duty HK$2,824,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,826
−HK$11,402/mo
▼ 0.25% · 3.875%
HK$187,482
−HK$5,746/mo
Today · 4.125%
HK$193,228
baseline
▲ 0.50% · 4.625%
HK$204,986
+HK$11,758/mo
Deposit HK$26.58M · loan HK$39.87M · min. income ≈ HK$386,456/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$2,824,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,280
−HK$10,928/mo
▼ 0.25% · 3.875%
HK$207,705
−HK$5,503/mo
Today · 4.125%
HK$213,208
baseline
▲ 0.50% · 4.625%
HK$224,447
+HK$11,239/mo
Deposit HK$26.58M · loan HK$39.87M · min. income ≈ HK$426,416/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$2,824,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,131
−HK$13,302/mo
▼ 0.25% · 3.875%
HK$218,729
−HK$6,704/mo
Today · 4.125%
HK$225,433
baseline
▲ 0.50% · 4.625%
HK$239,150
+HK$13,717/mo
Deposit HK$19.93M · loan HK$46.51M · min. income ≈ HK$450,866/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,824,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,993
−HK$12,750/mo
▼ 0.25% · 3.875%
HK$242,322
−HK$6,421/mo
Today · 4.125%
HK$248,743
baseline
▲ 0.50% · 4.625%
HK$261,855
+HK$13,112/mo
Deposit HK$19.93M · loan HK$46.51M · min. income ≈ HK$497,486/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,824,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,739
−HK$17,103/mo
▼ 0.25% · 3.875%
HK$281,223
−HK$8,619/mo
Today · 4.125%
HK$289,842
baseline
▲ 0.50% · 4.625%
HK$307,479
+HK$17,637/mo
Deposit HK$6.64M · loan HK$59.80M · min. income ≈ HK$579,684/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$2,824,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$303,420
−HK$16,392/mo
▼ 0.25% · 3.875%
HK$311,557
−HK$8,255/mo
Today · 4.125%
HK$319,812
baseline
▲ 0.50% · 4.625%
HK$336,670
+HK$16,858/mo
Deposit HK$6.64M · loan HK$59.80M · min. income ≈ HK$639,624/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$2,824,102 · Scale 2, in force from 26 Feb 2026)