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$161,549
−HK$10,131/mo
▼ 0.25% · 3.875%
HK$166,574
−HK$5,106/mo
Today · 4.125%
HK$171,680
baseline
▲ 0.50% · 4.625%
HK$182,126
+HK$10,446/mo
Deposit HK$35.42M · loan HK$35.42M · min. income ≈ HK$343,360/mo (50% DSR)
Upfront cash ≈ HK$38.43M (deposit + AVD stamp duty HK$3,010,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,722
−HK$9,710/mo
▼ 0.25% · 3.875%
HK$184,542
−HK$4,890/mo
Today · 4.125%
HK$189,432
baseline
▲ 0.50% · 4.625%
HK$199,417
+HK$9,985/mo
Deposit HK$35.42M · loan HK$35.42M · min. income ≈ HK$378,864/mo (50% DSR)
Upfront cash ≈ HK$38.43M (deposit + AVD stamp duty HK$3,010,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,859
−HK$12,157/mo
▼ 0.25% · 3.875%
HK$199,889
−HK$6,127/mo
Today · 4.125%
HK$206,016
baseline
▲ 0.50% · 4.625%
HK$218,551
+HK$12,535/mo
Deposit HK$28.34M · loan HK$42.51M · min. income ≈ HK$412,032/mo (50% DSR)
Upfront cash ≈ HK$31.35M (deposit + AVD stamp duty HK$3,010,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,666
−HK$11,652/mo
▼ 0.25% · 3.875%
HK$221,450
−HK$5,868/mo
Today · 4.125%
HK$227,318
baseline
▲ 0.50% · 4.625%
HK$239,300
+HK$11,982/mo
Deposit HK$28.34M · loan HK$42.51M · min. income ≈ HK$454,636/mo (50% DSR)
Upfront cash ≈ HK$31.35M (deposit + AVD stamp duty HK$3,010,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,169
−HK$14,182/mo
▼ 0.25% · 3.875%
HK$233,204
−HK$7,147/mo
Today · 4.125%
HK$240,351
baseline
▲ 0.50% · 4.625%
HK$254,976
+HK$14,625/mo
Deposit HK$21.25M · loan HK$49.59M · min. income ≈ HK$480,702/mo (50% DSR)
Upfront cash ≈ HK$24.27M (deposit + AVD stamp duty HK$3,010,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,610
−HK$13,594/mo
▼ 0.25% · 3.875%
HK$258,358
−HK$6,846/mo
Today · 4.125%
HK$265,204
baseline
▲ 0.50% · 4.625%
HK$279,183
+HK$13,979/mo
Deposit HK$21.25M · loan HK$49.59M · min. income ≈ HK$530,408/mo (50% DSR)
Upfront cash ≈ HK$24.27M (deposit + AVD stamp duty HK$3,010,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,788
−HK$18,235/mo
▼ 0.25% · 3.875%
HK$299,834
−HK$9,189/mo
Today · 4.125%
HK$309,023
baseline
▲ 0.50% · 4.625%
HK$327,827
+HK$18,804/mo
Deposit HK$7.08M · loan HK$63.76M · min. income ≈ HK$618,046/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$3,010,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$323,499
−HK$17,478/mo
▼ 0.25% · 3.875%
HK$332,175
−HK$8,802/mo
Today · 4.125%
HK$340,977
baseline
▲ 0.50% · 4.625%
HK$358,950
+HK$17,973/mo
Deposit HK$7.08M · loan HK$63.76M · min. income ≈ HK$681,954/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$3,010,993 · Scale 2, in force from 26 Feb 2026)