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$154,225
−HK$9,672/mo
▼ 0.25% · 3.875%
HK$159,023
−HK$4,874/mo
Today · 4.125%
HK$163,897
baseline
▲ 0.50% · 4.625%
HK$173,870
+HK$9,973/mo
Deposit HK$33.82M · loan HK$33.82M · min. income ≈ HK$327,794/mo (50% DSR)
Upfront cash ≈ HK$36.69M (deposit + AVD stamp duty HK$2,874,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,574
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$176,176
−HK$4,668/mo
Today · 4.125%
HK$180,844
baseline
▲ 0.50% · 4.625%
HK$190,376
+HK$9,532/mo
Deposit HK$33.82M · loan HK$33.82M · min. income ≈ HK$361,688/mo (50% DSR)
Upfront cash ≈ HK$36.69M (deposit + AVD stamp duty HK$2,874,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,071
−HK$11,605/mo
▼ 0.25% · 3.875%
HK$190,827
−HK$5,849/mo
Today · 4.125%
HK$196,676
baseline
▲ 0.50% · 4.625%
HK$208,643
+HK$11,967/mo
Deposit HK$27.05M · loan HK$40.58M · min. income ≈ HK$393,352/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,874,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,889
−HK$11,124/mo
▼ 0.25% · 3.875%
HK$211,411
−HK$5,602/mo
Today · 4.125%
HK$217,013
baseline
▲ 0.50% · 4.625%
HK$228,452
+HK$11,439/mo
Deposit HK$27.05M · loan HK$40.58M · min. income ≈ HK$434,026/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,874,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,916
−HK$13,540/mo
▼ 0.25% · 3.875%
HK$222,632
−HK$6,824/mo
Today · 4.125%
HK$229,456
baseline
▲ 0.50% · 4.625%
HK$243,417
+HK$13,961/mo
Deposit HK$20.29M · loan HK$47.34M · min. income ≈ HK$458,912/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,874,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,204
−HK$12,978/mo
▼ 0.25% · 3.875%
HK$246,646
−HK$6,536/mo
Today · 4.125%
HK$253,182
baseline
▲ 0.50% · 4.625%
HK$266,527
+HK$13,345/mo
Deposit HK$20.29M · loan HK$47.34M · min. income ≈ HK$506,364/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,874,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$277,606
−HK$17,408/mo
▼ 0.25% · 3.875%
HK$286,241
−HK$8,773/mo
Today · 4.125%
HK$295,014
baseline
▲ 0.50% · 4.625%
HK$312,965
+HK$17,951/mo
Deposit HK$6.76M · loan HK$60.87M · min. income ≈ HK$590,028/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,874,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$308,834
−HK$16,685/mo
▼ 0.25% · 3.875%
HK$317,117
−HK$8,402/mo
Today · 4.125%
HK$325,519
baseline
▲ 0.50% · 4.625%
HK$342,678
+HK$17,159/mo
Deposit HK$6.76M · loan HK$60.87M · min. income ≈ HK$651,038/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$2,874,494 · Scale 2, in force from 26 Feb 2026)