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$153,549
−HK$9,629/mo
▼ 0.25% · 3.875%
HK$158,325
−HK$4,853/mo
Today · 4.125%
HK$163,178
baseline
▲ 0.50% · 4.625%
HK$173,107
+HK$9,929/mo
Deposit HK$33.67M · loan HK$33.67M · min. income ≈ HK$326,356/mo (50% DSR)
Upfront cash ≈ HK$36.53M (deposit + AVD stamp duty HK$2,861,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,822
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$175,403
−HK$4,648/mo
Today · 4.125%
HK$180,051
baseline
▲ 0.50% · 4.625%
HK$189,542
+HK$9,491/mo
Deposit HK$33.67M · loan HK$33.67M · min. income ≈ HK$360,102/mo (50% DSR)
Upfront cash ≈ HK$36.53M (deposit + AVD stamp duty HK$2,861,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,259
−HK$11,555/mo
▼ 0.25% · 3.875%
HK$189,991
−HK$5,823/mo
Today · 4.125%
HK$195,814
baseline
▲ 0.50% · 4.625%
HK$207,729
+HK$11,915/mo
Deposit HK$26.94M · loan HK$40.40M · min. income ≈ HK$391,628/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,861,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,986
−HK$11,075/mo
▼ 0.25% · 3.875%
HK$210,484
−HK$5,577/mo
Today · 4.125%
HK$216,061
baseline
▲ 0.50% · 4.625%
HK$227,450
+HK$11,389/mo
Deposit HK$26.94M · loan HK$40.40M · min. income ≈ HK$432,122/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,861,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,969
−HK$13,480/mo
▼ 0.25% · 3.875%
HK$221,656
−HK$6,793/mo
Today · 4.125%
HK$228,449
baseline
▲ 0.50% · 4.625%
HK$242,350
+HK$13,901/mo
Deposit HK$20.20M · loan HK$47.14M · min. income ≈ HK$456,898/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,861,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,151
−HK$12,920/mo
▼ 0.25% · 3.875%
HK$245,565
−HK$6,506/mo
Today · 4.125%
HK$252,071
baseline
▲ 0.50% · 4.625%
HK$265,358
+HK$13,287/mo
Deposit HK$20.20M · loan HK$47.14M · min. income ≈ HK$504,142/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,861,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$276,389
−HK$17,332/mo
▼ 0.25% · 3.875%
HK$284,986
−HK$8,735/mo
Today · 4.125%
HK$293,721
baseline
▲ 0.50% · 4.625%
HK$311,593
+HK$17,872/mo
Deposit HK$6.73M · loan HK$60.60M · min. income ≈ HK$587,442/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$2,861,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$307,480
−HK$16,612/mo
▼ 0.25% · 3.875%
HK$315,726
−HK$8,366/mo
Today · 4.125%
HK$324,092
baseline
▲ 0.50% · 4.625%
HK$341,175
+HK$17,083/mo
Deposit HK$6.73M · loan HK$60.60M · min. income ≈ HK$648,184/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$2,861,890 · Scale 2, in force from 26 Feb 2026)