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$152,523
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$157,268
−HK$4,820/mo
Today · 4.125%
HK$162,088
baseline
▲ 0.50% · 4.625%
HK$171,951
+HK$9,863/mo
Deposit HK$33.44M · loan HK$33.44M · min. income ≈ HK$324,176/mo (50% DSR)
Upfront cash ≈ HK$36.29M (deposit + AVD stamp duty HK$2,842,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,681
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$174,232
−HK$4,616/mo
Today · 4.125%
HK$178,848
baseline
▲ 0.50% · 4.625%
HK$188,275
+HK$9,427/mo
Deposit HK$33.44M · loan HK$33.44M · min. income ≈ HK$357,696/mo (50% DSR)
Upfront cash ≈ HK$36.29M (deposit + AVD stamp duty HK$2,842,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,028
−HK$11,478/mo
▼ 0.25% · 3.875%
HK$188,721
−HK$5,785/mo
Today · 4.125%
HK$194,506
baseline
▲ 0.50% · 4.625%
HK$206,341
+HK$11,835/mo
Deposit HK$26.76M · loan HK$40.13M · min. income ≈ HK$389,012/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,842,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,617
−HK$11,001/mo
▼ 0.25% · 3.875%
HK$209,078
−HK$5,540/mo
Today · 4.125%
HK$214,618
baseline
▲ 0.50% · 4.625%
HK$225,931
+HK$11,313/mo
Deposit HK$26.76M · loan HK$40.13M · min. income ≈ HK$429,236/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,842,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,533
−HK$13,390/mo
▼ 0.25% · 3.875%
HK$220,175
−HK$6,748/mo
Today · 4.125%
HK$226,923
baseline
▲ 0.50% · 4.625%
HK$240,731
+HK$13,808/mo
Deposit HK$20.07M · loan HK$46.82M · min. income ≈ HK$453,846/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,842,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,553
−HK$12,834/mo
▼ 0.25% · 3.875%
HK$243,924
−HK$6,463/mo
Today · 4.125%
HK$250,387
baseline
▲ 0.50% · 4.625%
HK$263,586
+HK$13,199/mo
Deposit HK$20.07M · loan HK$46.82M · min. income ≈ HK$500,774/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$2,842,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$274,542
−HK$17,216/mo
▼ 0.25% · 3.875%
HK$283,082
−HK$8,676/mo
Today · 4.125%
HK$291,758
baseline
▲ 0.50% · 4.625%
HK$309,511
+HK$17,753/mo
Deposit HK$6.69M · loan HK$60.20M · min. income ≈ HK$583,516/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,842,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$305,425
−HK$16,502/mo
▼ 0.25% · 3.875%
HK$313,617
−HK$8,310/mo
Today · 4.125%
HK$321,927
baseline
▲ 0.50% · 4.625%
HK$338,896
+HK$16,969/mo
Deposit HK$6.69M · loan HK$60.20M · min. income ≈ HK$643,854/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$2,842,772 · Scale 2, in force from 26 Feb 2026)