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$161,526
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$166,551
−HK$5,104/mo
Today · 4.125%
HK$171,655
baseline
▲ 0.50% · 4.625%
HK$182,100
+HK$10,445/mo
Deposit HK$35.42M · loan HK$35.42M · min. income ≈ HK$343,310/mo (50% DSR)
Upfront cash ≈ HK$38.43M (deposit + AVD stamp duty HK$3,010,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,696
−HK$9,709/mo
▼ 0.25% · 3.875%
HK$184,516
−HK$4,889/mo
Today · 4.125%
HK$189,405
baseline
▲ 0.50% · 4.625%
HK$199,388
+HK$9,983/mo
Deposit HK$35.42M · loan HK$35.42M · min. income ≈ HK$378,810/mo (50% DSR)
Upfront cash ≈ HK$38.43M (deposit + AVD stamp duty HK$3,010,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,831
−HK$12,155/mo
▼ 0.25% · 3.875%
HK$199,861
−HK$6,125/mo
Today · 4.125%
HK$205,986
baseline
▲ 0.50% · 4.625%
HK$218,520
+HK$12,534/mo
Deposit HK$28.33M · loan HK$42.50M · min. income ≈ HK$411,972/mo (50% DSR)
Upfront cash ≈ HK$31.35M (deposit + AVD stamp duty HK$3,010,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,635
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$221,419
−HK$5,867/mo
Today · 4.125%
HK$227,286
baseline
▲ 0.50% · 4.625%
HK$239,266
+HK$11,980/mo
Deposit HK$28.33M · loan HK$42.50M · min. income ≈ HK$454,572/mo (50% DSR)
Upfront cash ≈ HK$31.35M (deposit + AVD stamp duty HK$3,010,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,137
−HK$14,180/mo
▼ 0.25% · 3.875%
HK$233,171
−HK$7,146/mo
Today · 4.125%
HK$240,317
baseline
▲ 0.50% · 4.625%
HK$254,940
+HK$14,623/mo
Deposit HK$21.25M · loan HK$49.59M · min. income ≈ HK$480,634/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$3,010,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,575
−HK$13,591/mo
▼ 0.25% · 3.875%
HK$258,322
−HK$6,844/mo
Today · 4.125%
HK$265,166
baseline
▲ 0.50% · 4.625%
HK$279,144
+HK$13,978/mo
Deposit HK$21.25M · loan HK$49.59M · min. income ≈ HK$530,332/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$3,010,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,747
−HK$18,232/mo
▼ 0.25% · 3.875%
HK$299,791
−HK$9,188/mo
Today · 4.125%
HK$308,979
baseline
▲ 0.50% · 4.625%
HK$327,780
+HK$18,801/mo
Deposit HK$7.08M · loan HK$63.75M · min. income ≈ HK$617,958/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,010,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,453
−HK$17,475/mo
▼ 0.25% · 3.875%
HK$332,128
−HK$8,800/mo
Today · 4.125%
HK$340,928
baseline
▲ 0.50% · 4.625%
HK$358,899
+HK$17,971/mo
Deposit HK$7.08M · loan HK$63.75M · min. income ≈ HK$681,856/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$3,010,566 · Scale 2, in force from 26 Feb 2026)