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$163,801
−HK$10,272/mo
▼ 0.25% · 3.875%
HK$168,897
−HK$5,176/mo
Today · 4.125%
HK$174,073
baseline
▲ 0.50% · 4.625%
HK$184,665
+HK$10,592/mo
Deposit HK$35.92M · loan HK$35.92M · min. income ≈ HK$348,146/mo (50% DSR)
Upfront cash ≈ HK$38.97M (deposit + AVD stamp duty HK$3,052,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,227
−HK$9,846/mo
▼ 0.25% · 3.875%
HK$187,115
−HK$4,958/mo
Today · 4.125%
HK$192,073
baseline
▲ 0.50% · 4.625%
HK$202,197
+HK$10,124/mo
Deposit HK$35.92M · loan HK$35.92M · min. income ≈ HK$384,146/mo (50% DSR)
Upfront cash ≈ HK$38.97M (deposit + AVD stamp duty HK$3,052,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,562
−HK$12,326/mo
▼ 0.25% · 3.875%
HK$202,676
−HK$6,212/mo
Today · 4.125%
HK$208,888
baseline
▲ 0.50% · 4.625%
HK$221,598
+HK$12,710/mo
Deposit HK$28.73M · loan HK$43.10M · min. income ≈ HK$417,776/mo (50% DSR)
Upfront cash ≈ HK$31.79M (deposit + AVD stamp duty HK$3,052,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,673
−HK$11,814/mo
▼ 0.25% · 3.875%
HK$224,538
−HK$5,949/mo
Today · 4.125%
HK$230,487
baseline
▲ 0.50% · 4.625%
HK$242,636
+HK$12,149/mo
Deposit HK$28.73M · loan HK$43.10M · min. income ≈ HK$460,974/mo (50% DSR)
Upfront cash ≈ HK$31.79M (deposit + AVD stamp duty HK$3,052,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,322
−HK$14,381/mo
▼ 0.25% · 3.875%
HK$236,455
−HK$7,248/mo
Today · 4.125%
HK$243,703
baseline
▲ 0.50% · 4.625%
HK$258,531
+HK$14,828/mo
Deposit HK$21.55M · loan HK$50.28M · min. income ≈ HK$487,406/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$3,052,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,118
−HK$13,784/mo
▼ 0.25% · 3.875%
HK$261,961
−HK$6,941/mo
Today · 4.125%
HK$268,902
baseline
▲ 0.50% · 4.625%
HK$283,076
+HK$14,174/mo
Deposit HK$21.55M · loan HK$50.28M · min. income ≈ HK$537,804/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$3,052,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$294,843
−HK$18,489/mo
▼ 0.25% · 3.875%
HK$304,014
−HK$9,318/mo
Today · 4.125%
HK$313,332
baseline
▲ 0.50% · 4.625%
HK$332,397
+HK$19,065/mo
Deposit HK$7.18M · loan HK$64.65M · min. income ≈ HK$626,664/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$3,052,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$328,009
−HK$17,722/mo
▼ 0.25% · 3.875%
HK$336,806
−HK$8,925/mo
Today · 4.125%
HK$345,731
baseline
▲ 0.50% · 4.625%
HK$363,955
+HK$18,224/mo
Deposit HK$7.18M · loan HK$64.65M · min. income ≈ HK$691,462/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$3,052,973 · Scale 2, in force from 26 Feb 2026)